Littleton, MA · Charter 24923
NCUA · 14 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | -0.19% | -0.36% | -0.17% | -0.21% | +21 bps | |
| Return on Equity | -3.86% | -1.80% | -3.51% | -1.68% | -2.05% | +181 bps | |
| Net Interest Margin | 1.85% | 1.90% | 1.91% | 2.00% | 2.00% | +15 bps | |
| Efficiency Ratio | 97.95% | 93.57% | 100.21% | 101.98% | 101.49% | +355 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.44% | -4.07% | 0.83% | 2.63% | 2.23% | +367 bps | |
| Loan Growth (YoY) | 14.05% | 10.07% | 15.25% | 16.06% | 8.68% | -538 bps | |
| Share Growth (YoY) | 2.62% | -1.09% | -0.69% | 1.04% | 1.57% | -105 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 1.27% | 1.21% | 1.04% | 0.81% | -64 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 | 10.82% | 10.76% | 10.17% | 10.04% | 10.05% | -76 bps | |
| Net Worth / Assets | 10.82% | 10.76% | 10.17% | 10.04% | 10.05% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.65% | 101.93% | 105.52% | 106.32% | 104.49% | +684 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |