PackageTrendsPeer
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Members 1st

Brattleboro, VT · Charter 63899

NCUA · 2 branches

Q2 2026

$22.9MAssets
$15.0MLoans
$20.7MShares
$2.2MNet 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 0.67%, up 58 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 2.07% of loans (+118 bps YoY).
  • Capital: net worth / assets of 9.42%, up 44 bps from a year ago.
  • Funding: loans stand at 72.48% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.67%+58 bps YoY

Net Interest Margin (quarter, annualized)

3.78%+21 bps YoY

Efficiency Ratio (quarter, annualized)

85.68%-1,232 bps YoY

Net Worth / Assets

9.42%+44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.29%0.35%0.59%0.67%+58 bps
Return on Equity1.02%3.14%3.86%6.49%7.13%+611 bps
Net Interest Margin3.57%3.69%3.69%3.70%3.78%+21 bps
Efficiency Ratio98.00%93.89%92.45%86.80%85.68%-1,232 bps
Growth
Asset Growth (YoY)18.83%9.89%7.77%6.18%2.34%-1,650 bps
Loan Growth (YoY)-0.40%1.84%0.54%-0.17%-2.85%-245 bps
Share Growth (YoY)21.18%10.96%8.18%6.27%1.94%-1,924 bps
Asset Quality
Delinquent Loans / Loans0.89%0.72%2.70%2.79%2.07%+118 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 Capital8.99%9.14%9.13%9.15%9.42%+44 bps
Net Worth / Assets8.99%9.14%9.13%9.15%9.42%+44 bps
Liquidity & Funding
Loans / Shares76.05%75.80%74.23%72.14%72.48%-357 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps