Smithfield, RI · Charter 62882
NCUA · 27 branches
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 | 0.41% | 0.42% | 0.32% | 0.49% | 0.56% | 0.56% | 0.84% | 0.80% | +30 bps | |
| Return on Equity | 4.20% | 4.36% | 3.28% | 4.98% | 5.70% | 5.60% | 8.51% | 8.05% | +308 bps | |
| Net Interest Margin | 2.30% | 2.33% | 2.56% | 2.62% | 2.64% | 2.72% | 3.01% | 3.01% | +39 bps | |
| Efficiency Ratio | 80.50% | 79.47% | 78.26% | 76.05% | 74.57% | 75.06% | 71.59% | 72.29% | -376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.98% | 4.33% | 5.90% | 4.92% | 5.47% | 4.29% | 5.42% | 7.51% | +259 bps | |
| Loan Growth (YoY) | 7.29% | 6.90% | 8.81% | 7.48% | 8.48% | 5.99% | 5.10% | 7.92% | +43 bps | |
| Share Growth (YoY) | 6.70% | 3.51% | 5.16% | 4.05% | 5.75% | 4.90% | 5.12% | 3.97% | -8 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.43% | 0.33% | 0.43% | 0.48% | 0.50% | 0.33% | 0.39% | -4 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 | 9.75% | 9.75% | 9.71% | 9.90% | 9.82% | 9.94% | 9.93% | 9.89% | -2 bps | |
| Net Worth / Assets | 9.75% | 9.75% | 9.71% | 9.90% | 9.82% | 9.94% | 9.93% | 9.89% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.47% | 100.03% | 100.01% | 100.52% | 99.98% | 101.07% | 100.00% | 104.34% | +382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |