Medford, MA · Charter 24615
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 | 0.59% | 0.64% | 0.94% | 1.27% | 1.43% | 1.32% | 0.80% | 0.43% | -84 bps | |
| Return on Equity | 2.49% | 2.67% | 3.90% | 5.25% | 5.71% | 5.27% | 3.08% | 1.68% | -358 bps | |
| Net Interest Margin | 3.38% | 3.63% | 3.91% | 4.12% | 4.38% | 4.40% | 4.48% | 4.37% | +25 bps | |
| Efficiency Ratio | 82.58% | 82.31% | 76.03% | 69.27% | 67.43% | 69.96% | 82.07% | 72.32% | +305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -3.32% | -0.59% | -0.12% | -0.27% | 1.13% | -2.79% | -2.72% | -260 bps | |
| Loan Growth (YoY) | 6.80% | 6.04% | 4.40% | 5.29% | -0.93% | 3.60% | 2.72% | -4.15% | -944 bps | |
| Share Growth (YoY) | -4.94% | -4.24% | -1.84% | -1.47% | -1.98% | -3.01% | -5.61% | -4.83% | -336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.37% | 0.62% | 0.51% | 0.26% | 1.64% | 1.32% | 1.38% | +87 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 | 0.62% | 0.58% | 0.62% | 0.60% | 0.63% | 0.56% | 0.60% | 1.80% | +119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.65% | 24.02% | 24.05% | 24.11% | 24.97% | 25.09% | 26.09% | 25.71% | +160 bps | |
| Net Worth / Assets | 23.65% | 24.02% | 24.05% | 24.11% | 24.97% | 25.09% | 26.09% | 25.71% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.88% | 47.30% | 44.35% | 44.66% | 44.35% | 50.52% | 48.26% | 44.98% | +32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |