Millbury, MA · Charter 24543
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.39% | 0.39% | 0.31% | 0.30% | -5 bps | |
| Return on Equity | 3.82% | 4.11% | 4.12% | 3.31% | 3.03% | -79 bps | |
| Net Interest Margin | 2.84% | 2.95% | 2.94% | 2.94% | 3.03% | +19 bps | |
| Efficiency Ratio | 87.84% | 86.66% | 86.57% | 90.73% | 90.33% | +249 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.25% | -3.25% | -2.94% | -1.38% | -3.79% | -354 bps | |
| Loan Growth (YoY) | -5.12% | -2.87% | -2.34% | -1.93% | 0.24% | +535 bps | |
| Share Growth (YoY) | -0.66% | -2.65% | -3.38% | -1.36% | -3.77% | -311 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.45% | 0.38% | 0.29% | 0.29% | -8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.03% | 9.40% | 9.44% | 9.46% | 9.73% | +69 bps | |
| Net Worth / Assets | 9.03% | 9.40% | 9.44% | 9.46% | 9.73% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.62% | 82.51% | 82.50% | 81.29% | 83.98% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |