PackageTrendsPeer
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Malden

Malden, MA · Charter 4472

NCUA · 1 branch

Q2 2026

$29.4MAssets
$13.0MLoans
$24.3MShares
$5.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, up 34 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.03% of loans (+2 bps YoY).
  • Capital: net worth / assets of 17.05%, up 28 bps from a year ago.
  • Funding: loans stand at 53.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+7 bps YoY

Efficiency Ratio (YTD, annualized)

74.41%-1,154 bps YoY

Net Worth / Assets

17.05%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.37%0.40%0.41%0.74%+34 bps
Return on Equity2.38%2.16%2.38%2.41%4.33%+195 bps
Net Interest Margin2.70%2.73%2.72%2.73%2.77%+7 bps
Efficiency Ratio85.95%87.17%85.91%85.49%74.41%-1,154 bps
Growth
Asset Growth (YoY)5.04%7.03%4.79%2.22%1.76%-328 bps
Loan Growth (YoY)-2.48%-3.25%-1.41%3.03%7.28%+976 bps
Share Growth (YoY)5.54%7.98%5.13%1.95%1.32%-422 bps
Asset Quality
Delinquent Loans / Loans0.00%0.08%0.04%0.05%0.03%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.77%17.01%16.92%17.05%17.05%+28 bps
Net Worth / Assets16.77%17.01%16.92%17.05%17.05%+28 bps
Liquidity & Funding
Loans / Shares50.56%51.31%51.32%52.54%53.54%+297 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps