Cranston, RI · Charter 60780
NCUA · 2 branches
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 | -0.29% | -0.18% | 0.14% | -0.23% | -0.36% | -0.45% | -0.85% | -0.67% | -44 bps | |
| Return on Equity | -1.50% | -0.95% | 0.71% | -1.19% | -1.86% | -2.39% | -4.48% | -3.60% | -241 bps | |
| Net Interest Margin | 2.06% | 2.14% | 2.49% | 2.51% | 2.55% | 2.51% | 2.51% | 2.55% | +4 bps | |
| Efficiency Ratio | 110.98% | 106.54% | 93.78% | 103.89% | 106.42% | 108.64% | 127.59% | 119.76% | +1,587 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.98% | -3.56% | -1.26% | -2.15% | -2.42% | -1.35% | -1.29% | 0.66% | +281 bps | |
| Loan Growth (YoY) | -2.32% | -6.03% | -5.58% | -7.24% | -7.96% | -7.11% | -3.62% | -1.94% | +530 bps | |
| Share Growth (YoY) | -2.54% | 2.51% | -2.45% | -2.76% | -2.80% | -2.20% | -0.31% | 2.70% | +547 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.06% | 0.08% | 0.03% | 0.18% | 0.30% | 0.23% | 0.21% | +18 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 | 19.13% | 19.15% | 19.41% | 19.35% | 19.34% | 18.94% | 18.94% | 18.53% | -82 bps | |
| Net Worth / Assets | 19.13% | 19.15% | 19.41% | 19.35% | 19.34% | 18.94% | 18.94% | 18.53% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.81% | 86.38% | 87.25% | 86.55% | 85.04% | 82.04% | 84.36% | 82.63% | -392 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |