Springfield, MA · Charter 24566
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | -0.11% | 0.26% | 0.15% | 0.08% | 0.16% | 0.07% | 0.09% | -6 bps | |
| Return on Equity | 1.52% | -0.91% | 2.24% | 1.29% | 0.69% | 1.31% | 0.60% | 0.79% | -50 bps | |
| Net Interest Margin | 2.00% | 2.08% | 2.30% | 2.28% | 2.32% | 2.38% | 2.25% | 2.36% | +7 bps | |
| Efficiency Ratio | 92.67% | 102.11% | 75.22% | 82.04% | 86.92% | 84.66% | 87.09% | 84.45% | +241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.07% | -6.60% | -3.91% | 0.72% | 3.32% | 3.52% | 6.64% | 6.09% | +538 bps | |
| Loan Growth (YoY) | -3.13% | -1.58% | 0.43% | 2.11% | 0.75% | 4.00% | 7.83% | 10.48% | +837 bps | |
| Share Growth (YoY) | -1.71% | 0.59% | -4.75% | 0.94% | 3.52% | 3.25% | 6.79% | 6.05% | +510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.29% | 1.13% | 1.37% | 1.33% | 1.25% | 0.75% | 0.47% | -91 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 | 12.26% | 12.13% | 11.63% | 11.76% | 11.68% | 11.86% | 11.00% | 11.20% | -56 bps | |
| Net Worth / Assets | 12.26% | 12.13% | 11.63% | 11.76% | 11.68% | 11.86% | 11.00% | 11.20% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.46% | 73.56% | 69.93% | 71.06% | 70.52% | 74.09% | 70.61% | 74.03% | +297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |