Littleton, MA · Charter 24923
NCUA · 14 branches
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 | -0.84% | -3.15% | -0.51% | -0.42% | -0.19% | -0.36% | -0.17% | -0.21% | +21 bps | |
| Return on Equity | -6.37% | -28.97% | -4.72% | -3.86% | -1.80% | -3.51% | -1.68% | -2.05% | +181 bps | |
| Net Interest Margin | 1.51% | 1.50% | 1.78% | 1.85% | 1.90% | 1.91% | 2.00% | 2.00% | +15 bps | |
| Efficiency Ratio | 117.82% | 841% | 103.10% | 97.95% | 93.57% | 100.21% | 101.98% | 101.49% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.77% | -6.43% | -6.01% | -1.44% | -4.07% | 0.83% | 2.63% | 2.23% | +367 bps | |
| Loan Growth (YoY) | 3.77% | 3.85% | 5.78% | 14.05% | 10.07% | 15.25% | 16.06% | 8.68% | -538 bps | |
| Share Growth (YoY) | 5.50% | 0.18% | 0.05% | 2.62% | -1.09% | -0.69% | 1.04% | 1.57% | -105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 1.84% | 1.61% | 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 | 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 | 13.14% | 10.88% | 10.86% | 10.82% | 10.76% | 10.17% | 10.04% | 10.05% | -76 bps | |
| Net Worth / Assets | 13.14% | 10.88% | 10.86% | 10.82% | 10.76% | 10.17% | 10.04% | 10.05% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.60% | 90.93% | 92.56% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |