East Providence, RI · Charter 24730
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.58% | 0.51% | 0.63% | 0.53% | -3 bps | |
| Return on Equity | 5.17% | 5.22% | 4.58% | 5.55% | 4.57% | -60 bps | |
| Net Interest Margin | 3.46% | 3.59% | 3.67% | 3.45% | 3.51% | +5 bps | |
| Efficiency Ratio | 85.05% | 85.04% | 87.03% | 82.99% | 85.88% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 5.64% | 2.56% | 0.49% | -3.16% | -570 bps | |
| Loan Growth (YoY) | -0.71% | -0.22% | -1.39% | -2.29% | -5.67% | -496 bps | |
| Share Growth (YoY) | 2.15% | 5.75% | 2.36% | 0.04% | -3.87% | -602 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.34% | 1.31% | 0.11% | 0.91% | 0.79% | -255 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 | 10.77% | 11.09% | 11.23% | 11.33% | 11.62% | +85 bps | |
| Net Worth / Assets | 10.77% | 11.09% | 11.23% | 11.33% | 11.62% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.94% | 72.30% | 72.69% | 70.33% | 68.63% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |