East Providence, RI · Charter 24730
NCUA · 1 branch
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 | 0.74% | 0.62% | 0.40% | 0.56% | 0.58% | 0.51% | 0.63% | 0.53% | -3 bps | |
| Return on Equity | 6.61% | 5.67% | 3.74% | 5.17% | 5.22% | 4.58% | 5.55% | 4.57% | -60 bps | |
| Net Interest Margin | 3.91% | 3.80% | 3.44% | 3.46% | 3.59% | 3.67% | 3.45% | 3.51% | +5 bps | |
| Efficiency Ratio | 82.08% | 84.15% | 89.06% | 85.05% | 85.04% | 87.03% | 82.99% | 85.88% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.52% | -3.98% | -0.59% | 2.55% | 5.64% | 2.56% | 0.49% | -3.16% | -570 bps | |
| Loan Growth (YoY) | -5.26% | -3.09% | -3.57% | -0.71% | -0.22% | -1.39% | -2.29% | -5.67% | -496 bps | |
| Share Growth (YoY) | -9.03% | -5.07% | -1.24% | 2.15% | 5.75% | 2.36% | 0.04% | -3.87% | -602 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 2.05% | 1.30% | 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 | 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 | 11.17% | 10.99% | 10.82% | 10.77% | 11.09% | 11.23% | 11.33% | 11.62% | +85 bps | |
| Net Worth / Assets | 11.17% | 10.99% | 10.82% | 10.77% | 11.09% | 11.23% | 11.33% | 11.62% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.63% | 75.45% | 72.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |