Taunton, MA · Charter 24511
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 | 1.90% | 1.63% | 0.14% | 0.86% | 1.10% | 1.20% | 1.13% | 0.85% | -1 bps | |
| Return on Equity | 16.68% | 14.72% | 1.33% | 7.69% | 9.47% | 9.91% | 9.42% | 7.00% | -69 bps | |
| Net Interest Margin | 5.03% | 4.63% | 3.50% | 3.85% | 4.00% | 4.19% | 4.11% | 4.05% | +20 bps | |
| Efficiency Ratio | 54.07% | 60.50% | 74.87% | 71.93% | 69.62% | 71.56% | 65.57% | 70.05% | -188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.29% | -3.27% | 3.47% | 5.49% | 7.99% | 1.19% | -0.20% | 2.04% | -345 bps | |
| Loan Growth (YoY) | 24.35% | 17.47% | 16.58% | 27.45% | 20.42% | 21.20% | 18.52% | 10.35% | -1,711 bps | |
| Share Growth (YoY) | -8.59% | -5.32% | 2.03% | 4.42% | 7.37% | -0.35% | -1.82% | 1.00% | -342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.28% | 0.03% | 0.03% | 0.01% | 0.01% | 0.66% | 0.90% | +87 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 | 0.62% | 0.14% | 0.45% | 0.32% | 0.29% | 0.17% | 0.33% | 0.34% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.39% | 11.07% | 10.56% | 11.17% | 11.65% | 12.15% | 11.98% | 12.11% | +94 bps | |
| Net Worth / Assets | 11.39% | 11.07% | 10.56% | 11.17% | 11.65% | 12.15% | 11.98% | 12.11% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.98% | 59.01% | 56.89% | 63.99% | 70.63% | 71.76% | 68.68% | 69.91% | +592 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |