Springfield, MA · Charter 61189
NCUA · 4 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -0.20% | -0.26% | -0.25% | -1.14% | -111 bps | |
| Return on Equity | -0.37% | -2.33% | -3.36% | -3.24% | -16.31% | -1,594 bps | |
| Net Interest Margin | 2.45% | 2.59% | 2.43% | 2.55% | 2.65% | +20 bps | |
| Efficiency Ratio | 98.70% | 103.56% | 106.33% | 105.68% | 132.87% | +3,418 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.97% | 9.81% | 11.96% | 8.47% | 6.62% | -35 bps | |
| Loan Growth (YoY) | 6.33% | 9.36% | 10.94% | 16.21% | 15.15% | +882 bps | |
| Share Growth (YoY) | 6.59% | 9.47% | 12.99% | 10.69% | 8.33% | +174 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.19% | 0.72% | 0.39% | 0.32% | -2 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.79% | 8.37% | 7.74% | 7.79% | 7.00% | -179 bps | |
| Net Worth / Assets | 8.79% | 8.37% | 7.74% | 7.79% | 7.00% | -179 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.94% | 88.33% | 88.15% | 94.76% | 95.61% | +566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |