Somerville, MA · Charter 3475
NCUA · 1 branch
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 | 0.42% | 0.43% | 0.01% | 0.12% | 0.11% | 0.11% | -0.05% | 0.34% | +22 bps | |
| Return on Equity | 2.62% | 2.70% | 0.09% | 0.72% | 0.62% | 0.68% | -0.30% | 1.96% | +124 bps | |
| Net Interest Margin | 2.60% | 2.57% | 2.49% | 2.70% | 2.77% | 2.71% | 2.72% | 2.87% | +17 bps | |
| Efficiency Ratio | 83.31% | 83.46% | 99.46% | 95.56% | 96.20% | 95.87% | 101.86% | 88.26% | -730 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | -1.34% | -0.19% | -4.20% | -6.44% | -4.04% | -5.35% | -0.46% | +375 bps | |
| Loan Growth (YoY) | 42.48% | 37.77% | 26.09% | 11.58% | 12.98% | 5.35% | -4.19% | -9.44% | -2,103 bps | |
| Share Growth (YoY) | -3.39% | -2.14% | -0.68% | -5.35% | -7.91% | -4.94% | -6.47% | -0.82% | +453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.17% | 0.09% | 0.07% | 0.12% | 0.17% | 0.29% | 0.18% | +11 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 | 15.95% | 16.05% | 15.86% | 16.91% | 17.26% | 16.84% | 16.85% | 17.21% | +30 bps | |
| Net Worth / Assets | 15.95% | 16.05% | 15.86% | 16.91% | 17.26% | 16.84% | 16.85% | 17.21% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.54% | 41.89% | 42.60% | 46.58% | 48.51% | 46.42% | 43.64% | 42.53% | -405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |