Millbury, MA · Charter 24543
NCUA · 5 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 | 0.43% | 0.41% | 0.26% | 0.35% | 0.39% | 0.39% | 0.31% | 0.30% | -5 bps | |
| Return on Equity | 4.97% | 4.68% | 2.92% | 3.82% | 4.11% | 4.12% | 3.31% | 3.03% | -79 bps | |
| Net Interest Margin | 2.63% | 2.66% | 2.81% | 2.84% | 2.95% | 2.94% | 2.94% | 3.03% | +19 bps | |
| Efficiency Ratio | 84.36% | 84.52% | 89.39% | 87.84% | 86.66% | 86.57% | 90.73% | 90.33% | +249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 2.55% | -0.59% | -0.25% | -3.25% | -2.94% | -1.38% | -3.79% | -354 bps | |
| Loan Growth (YoY) | -4.53% | -6.25% | -4.72% | -5.12% | -2.87% | -2.34% | -1.93% | 0.24% | +535 bps | |
| Share Growth (YoY) | 2.55% | 4.07% | -0.02% | -0.66% | -2.65% | -3.38% | -1.36% | -3.77% | -311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.47% | 0.27% | 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 | 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 | 8.75% | 8.81% | 8.96% | 9.03% | 9.40% | 9.44% | 9.46% | 9.73% | +69 bps | |
| Net Worth / Assets | 8.75% | 8.81% | 8.96% | 9.03% | 9.40% | 9.44% | 9.46% | 9.73% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.71% | 81.63% | 81.76% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |