Woonsocket, RI · Charter 24523
NCUA · 2 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 | 1.22% | 1.02% | 0.96% | 1.19% | 1.16% | 0.84% | 0.83% | 1.05% | -15 bps | |
| Return on Equity | 11.43% | 9.56% | 8.94% | 10.77% | 10.03% | 7.54% | 7.51% | 9.18% | -159 bps | |
| Net Interest Margin | 3.50% | 3.38% | 3.54% | 3.66% | 3.72% | 3.42% | 3.57% | 3.68% | +2 bps | |
| Efficiency Ratio | 67.77% | 71.53% | 71.57% | 68.36% | 71.02% | 76.82% | 77.68% | 74.89% | +653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.02% | 2.02% | 0.54% | 1.20% | 1.17% | 4.03% | 4.95% | 4.27% | +307 bps | |
| Loan Growth (YoY) | 0.96% | 0.97% | 1.58% | 1.67% | 4.73% | 8.89% | 6.02% | 10.01% | +833 bps | |
| Share Growth (YoY) | 2.67% | 1.50% | -0.02% | 0.51% | -0.05% | 3.34% | 4.52% | 3.82% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.34% | 0.35% | 1.12% | 1.28% | 0.87% | 0.88% | 1.12% | -1 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 | 10.66% | 10.72% | 10.75% | 11.08% | 11.52% | 11.15% | 11.04% | 11.40% | +32 bps | |
| Net Worth / Assets | 10.66% | 10.72% | 10.75% | 11.08% | 11.52% | 11.15% | 11.04% | 11.40% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.13% | 43.26% | 43.20% | 43.91% | 46.25% | 45.58% | 43.82% | 46.53% | +262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |