Pittsfield, MA · Charter 24560
NCUA · 12 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 | 0.27% | 0.29% | 0.51% | 0.52% | 0.65% | 1.06% | 0.80% | 0.85% | +34 bps | |
| Return on Equity | 2.28% | 2.41% | 4.23% | 4.20% | 5.24% | 8.32% | 6.26% | 6.66% | +246 bps | |
| Net Interest Margin | 2.97% | 3.07% | 3.28% | 3.42% | 3.44% | 3.45% | 3.56% | 3.48% | +7 bps | |
| Efficiency Ratio | 89.02% | 88.47% | 84.82% | 83.60% | 80.85% | 74.02% | 77.14% | 76.79% | -681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.16% | 0.48% | 1.73% | 0.81% | 1.15% | 3.72% | 3.67% | 9.44% | +864 bps | |
| Loan Growth (YoY) | 3.75% | 1.27% | 0.27% | 0.06% | 1.13% | 1.90% | 2.31% | 6.25% | +619 bps | |
| Share Growth (YoY) | -1.57% | -0.13% | 2.00% | 2.18% | 3.10% | 3.58% | 4.09% | 9.41% | +723 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.16% | 0.89% | 1.37% | 1.57% | 1.53% | 1.15% | 1.35% | -2 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 | 12.02% | 12.22% | 12.08% | 12.31% | 12.41% | 12.80% | 12.73% | 12.81% | +50 bps | |
| Net Worth / Assets | 12.02% | 12.22% | 12.08% | 12.31% | 12.41% | 12.80% | 12.73% | 12.81% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.62% | 95.65% | 93.29% | 94.19% | 94.77% | 94.10% | 91.70% | 91.46% | -273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |