Gardner, MA · Charter 24279
NCUA · 10 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 | -0.25% | -0.23% | -0.20% | -0.05% | -0.05% | 0.01% | 0.30% | -0.14% | -9 bps | |
| Return on Equity | -2.48% | -2.27% | -2.04% | -0.52% | -0.55% | 0.12% | 3.34% | -1.54% | -101 bps | |
| Net Interest Margin | 1.90% | 1.99% | 2.31% | 2.36% | 2.30% | 2.33% | 2.72% | 2.78% | +42 bps | |
| Efficiency Ratio | 104.77% | 102.76% | 100.24% | 95.53% | 92.97% | 91.64% | 77.93% | 91.39% | -414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | 2.15% | -0.63% | 5.14% | 9.45% | 12.20% | 10.40% | 5.24% | +10 bps | |
| Loan Growth (YoY) | 19.05% | 20.89% | 20.28% | 21.58% | 24.24% | 23.67% | 23.06% | 14.96% | -662 bps | |
| Share Growth (YoY) | -4.11% | -5.36% | -4.14% | 3.56% | 11.65% | 14.86% | 12.28% | 11.84% | +828 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 0.91% | 1.46% | 1.54% | 0.41% | 0.41% | 0.42% | 0.75% | -78 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 | 10.12% | 10.19% | 9.96% | 9.68% | 9.15% | 9.08% | 9.06% | 9.16% | -52 bps | |
| Net Worth / Assets | 10.12% | 10.19% | 9.96% | 9.68% | 9.15% | 9.08% | 9.06% | 9.16% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.65% | 77.46% | 76.50% | 79.66% | 84.18% | 83.40% | 83.84% | 81.88% | +222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |