Cumberland, RI · Charter 24486
NCUA · 1 branch
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 | 0.80% | 0.75% | 0.75% | 0.64% | 0.65% | 0.50% | 0.38% | 0.37% | -28 bps | |
| Return on Equity | 4.09% | 3.79% | 3.78% | 3.22% | 3.14% | 2.45% | 1.96% | 1.90% | -132 bps | |
| Net Interest Margin | 3.40% | 3.34% | 2.96% | 3.04% | 3.20% | 3.17% | 2.92% | 2.88% | -16 bps | |
| Efficiency Ratio | 74.80% | 75.38% | 84.20% | 83.56% | 82.30% | 84.74% | 87.09% | 87.37% | +382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.07% | -0.29% | 0.40% | -0.90% | -2.98% | -1.73% | 4.13% | 5.34% | +624 bps | |
| Loan Growth (YoY) | -0.13% | 4.81% | 2.48% | -2.89% | -0.51% | -4.85% | -3.21% | -5.79% | -290 bps | |
| Share Growth (YoY) | 0.01% | -1.75% | -1.04% | -2.06% | -4.61% | -2.54% | 5.04% | 6.48% | +854 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.95% | 0.15% | 0.57% | 0.14% | 1.13% | 0.12% | 0.95% | +39 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 | 0.14% | 0.23% | 0.07% | 0.07% | 0.11% | 0.23% | 0.23% | 0.25% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.55% | 19.72% | 19.78% | 19.93% | 20.79% | 20.57% | 19.38% | 19.26% | -66 bps | |
| Net Worth / Assets | 19.55% | 19.72% | 19.78% | 19.93% | 20.79% | 20.57% | 19.38% | 19.26% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.78% | 51.35% | 50.86% | 49.98% | 52.96% | 50.13% | 46.87% | 44.22% | -576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |