Cambridge, MA · Charter 3056
NCUA · 3 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 | 2.78% | 2.69% | 1.98% | -0.64% | 2.44% | 2.33% | 1.84% | 1.71% | +235 bps | |
| Return on Equity | 13.89% | 12.73% | 9.39% | -2.95% | 10.85% | 9.82% | 7.66% | 6.89% | +984 bps | |
| Net Interest Margin | 5.03% | 4.97% | 5.32% | 4.80% | 5.18% | 5.10% | 5.64% | 4.82% | +2 bps | |
| Efficiency Ratio | 45.42% | 50.04% | 63.54% | 109.73% | 54.32% | 56.37% | 68.17% | 65.40% | -4,434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.64% | 0.83% | 0.52% | -0.05% | -0.47% | -1.35% | -3.25% | -4.52% | -446 bps | |
| Loan Growth (YoY) | 29.13% | 17.82% | 15.03% | 15.74% | 14.88% | 11.79% | 5.36% | 1.09% | -1,465 bps | |
| Share Growth (YoY) | -3.91% | -2.45% | -2.80% | -2.84% | -1.75% | -2.76% | -5.12% | -6.65% | -381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.07% | 0.05% | 0.02% | 0.02% | 0.03% | 0.05% | 0.12% | +10 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 | 0.38% | 0.37% | 0.37% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.04% | 21.13% | 21.07% | 21.62% | 22.51% | 23.75% | 24.04% | 24.81% | +319 bps | |
| Net Worth / Assets | 20.04% | 21.13% | 21.07% | 21.62% | 22.51% | 23.75% | 24.04% | 24.81% | +319 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.48% | 35.96% | 35.40% | 37.62% | 39.14% | 41.34% | 39.32% | 40.74% | +312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |