Cambridge, MA · Charter 24959
NCUA · 6 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 | 0.05% | 0.07% | 0.31% | 0.32% | 0.29% | 0.29% | 0.23% | 0.28% | -4 bps | |
| Return on Equity | 0.58% | 0.84% | 3.59% | 3.65% | 3.31% | 3.33% | 2.69% | 3.19% | -46 bps | |
| Net Interest Margin | 2.37% | 2.36% | 2.52% | 2.55% | 2.59% | 2.60% | 2.70% | 2.76% | +20 bps | |
| Efficiency Ratio | 92.56% | 91.83% | 83.75% | 83.50% | 84.61% | 83.99% | 86.46% | 85.08% | +158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 1.32% | 1.69% | 1.33% | 2.47% | 1.56% | +24 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -2.78% | -2.17% | -2.64% | -0.48% | -2.76% | +2 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 4.49% | 5.20% | 4.03% | 5.17% | 5.16% | +68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.71% | 0.84% | 0.96% | 0.89% | 0.79% | 0.83% | 1.13% | +17 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 | 8.68% | 8.55% | 8.61% | 8.71% | 8.76% | 8.69% | 8.64% | 8.81% | +10 bps | |
| Net Worth / Assets | 8.68% | 8.55% | 8.61% | 8.71% | 8.76% | 8.69% | 8.64% | 8.81% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 125.48% | 119.65% | 119.69% | 117.98% | 116.69% | 111.97% | 113.26% | 109.09% | -889 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |