Belmont, MA · Charter 4192
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.43% | 0.58% | 1.99% | 1.97% | +114 bps | |
| Return on Equity | 3.76% | 1.93% | 2.54% | 8.69% | 8.58% | +482 bps | |
| Net Interest Margin | 5.74% | 5.90% | 5.90% | 5.33% | 5.34% | -40 bps | |
| Efficiency Ratio | 68.35% | 76.06% | 77.63% | 62.69% | 60.16% | -819 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.36% | -5.01% | -1.17% | -2.33% | 0.38% | +775 bps | |
| Loan Growth (YoY) | -1.13% | -11.86% | -12.10% | -15.37% | -14.06% | -1,293 bps | |
| Share Growth (YoY) | -10.56% | -7.08% | -1.81% | -4.00% | -0.54% | +1,001 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.22% | 0.41% | 0.19% | 1.73% | +115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.26% | 1.35% | 1.34% | 1.30% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.87% | 22.27% | 22.74% | 22.89% | 22.91% | +105 bps | |
| Net Worth / Assets | 21.87% | 22.27% | 22.74% | 22.89% | 22.91% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.67% | 85.35% | 82.71% | 83.24% | 80.95% | -1,273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |