Belmont, MA · Charter 4192
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.43% | -0.36% | 0.82% | 0.43% | 0.58% | 1.99% | 1.97% | +114 bps | |
| Return on Equity | 7.02% | 6.52% | -1.68% | 3.76% | 1.93% | 2.54% | 8.69% | 8.58% | +482 bps | |
| Net Interest Margin | 5.60% | 5.87% | 5.63% | 5.74% | 5.90% | 5.90% | 5.33% | 5.34% | -40 bps | |
| Efficiency Ratio | 68.01% | 68.22% | 71.00% | 68.35% | 76.06% | 77.63% | 62.69% | 60.16% | -819 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.06% | -13.37% | -8.87% | -7.36% | -5.01% | -1.17% | -2.33% | 0.38% | +775 bps | |
| Loan Growth (YoY) | 2.35% | -2.74% | -1.91% | -1.13% | -11.86% | -12.10% | -15.37% | -14.06% | -1,293 bps | |
| Share Growth (YoY) | -23.09% | -17.86% | -12.19% | -10.56% | -7.08% | -1.81% | -4.00% | -0.54% | +1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.64% | 0.22% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.16% | 1.09% | 1.17% | 1.26% | 1.35% | 1.34% | 1.30% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.59% | 21.90% | 21.23% | 21.87% | 22.27% | 22.74% | 22.89% | 22.91% | +105 bps | |
| Net Worth / Assets | 20.59% | 21.90% | 21.23% | 21.87% | 22.27% | 22.74% | 22.89% | 22.91% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.98% | 92.38% | 94.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |