PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Massachusetts Family

Lynn, MA · Charter 24924

NCUA · 2 branches

Q2 2026

$29.6MAssets
$23.2MLoans
$22.1MShares
$4.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, up 8 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.01% of loans (-5 bps YoY).
  • Capital: net worth / assets of 16.33%, up 36 bps from a year ago.
  • Funding: loans stand at 105.01% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.43%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.00%+19 bps YoY

Efficiency Ratio (quarter, annualized)

83.96%-357 bps YoY

Net Worth / Assets

16.33%+36 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.36%0.27%0.35%0.36%0.39%0.36%0.43%+8 bps
Return on Equity2.22%2.20%1.63%2.21%2.29%2.45%2.17%2.64%+43 bps
Net Interest Margin2.86%2.86%2.88%2.81%2.78%2.86%2.96%3.00%+19 bps
Efficiency Ratio86.66%87.03%90.86%87.53%87.00%85.96%87.12%83.96%-357 bps
Growth
Asset Growth (YoY)2.42%-1.51%-4.37%5.90%6.01%4.59%3.32%0.54%-537 bps
Loan Growth (YoY)2.37%-3.55%-1.47%-2.79%-1.49%-3.71%-1.45%-1.36%+143 bps
Share Growth (YoY)0.93%3.91%2.08%0.53%1.76%-1.13%-3.90%1.55%+102 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.06%0.11%0.08%0.01%0.01%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.31%16.38%16.55%15.96%15.74%16.06%16.44%16.33%+36 bps
Net Worth / Assets16.31%16.38%16.55%15.96%15.74%16.06%16.44%16.33%+36 bps
Liquidity & Funding
Loans / Shares107.75%105.59%104.26%108.11%104.30%102.84%106.93%105.01%-311 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps