Fairhaven, MA · Charter 24254
NCUA · 12 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 0.78% | 1.14% | 1.11% | 1.28% | 1.09% | 0.76% | 0.91% | -20 bps | |
| Return on Equity | 7.16% | 4.02% | 5.92% | 5.63% | 6.38% | 5.51% | 3.79% | 4.53% | -110 bps | |
| Net Interest Margin | 3.83% | 3.83% | 3.53% | 3.71% | 3.72% | 3.75% | 3.41% | 3.52% | -19 bps | |
| Efficiency Ratio | 68.86% | 69.13% | 74.49% | 71.77% | 69.84% | 71.44% | 81.32% | 76.90% | +513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.58% | -4.96% | -2.62% | -1.09% | 0.77% | 1.17% | 0.89% | 2.86% | +395 bps | |
| Loan Growth (YoY) | -16.42% | -17.73% | -18.65% | -18.13% | -16.44% | -16.08% | -15.52% | -9.38% | +875 bps | |
| Share Growth (YoY) | -11.92% | -6.76% | -3.19% | -1.69% | 0.49% | 1.26% | -0.44% | 2.33% | +402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.73% | 0.57% | 0.73% | 0.71% | 0.87% | 0.42% | 0.77% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.23% | 19.43% | 19.30% | 19.74% | 20.08% | 19.82% | 20.17% | 20.19% | +44 bps | |
| Net Worth / Assets | 19.23% | 19.43% | 19.30% | 19.74% | 20.08% | 19.82% | 20.17% | 20.19% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.83% | 92.04% | 85.14% | 81.54% | 79.69% | 76.28% | 72.24% | 72.21% | -933 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |