Malden, MA · Charter 4472
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 | 0.52% | 0.46% | 0.31% | 0.40% | 0.37% | 0.40% | 0.41% | 0.74% | +34 bps | |
| Return on Equity | 2.90% | 2.65% | 1.84% | 2.38% | 2.16% | 2.38% | 2.41% | 4.33% | +195 bps | |
| Net Interest Margin | 2.78% | 2.68% | 2.68% | 2.70% | 2.73% | 2.72% | 2.73% | 2.77% | +7 bps | |
| Efficiency Ratio | 79.17% | 80.78% | 88.91% | 85.95% | 87.17% | 85.91% | 85.49% | 74.41% | -1,154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 1.03% | 3.45% | 5.04% | 7.03% | 4.79% | 2.22% | 1.76% | -328 bps | |
| Loan Growth (YoY) | 1.56% | 0.91% | 0.39% | -2.48% | -3.25% | -1.41% | 3.03% | 7.28% | +976 bps | |
| Share Growth (YoY) | 5.10% | 0.68% | 3.64% | 5.54% | 7.98% | 5.13% | 1.95% | 1.32% | -422 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.05% | 0.00% | 0.00% | 0.08% | 0.04% | 0.05% | 0.03% | +2 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 | 17.82% | 17.31% | 16.99% | 16.77% | 17.01% | 16.92% | 17.05% | 17.05% | +28 bps | |
| Net Worth / Assets | 17.82% | 17.31% | 16.99% | 16.77% | 17.01% | 16.92% | 17.05% | 17.05% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.26% | 54.73% | 51.99% | 50.56% | 51.31% | 51.32% | 52.54% | 53.54% | +297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |