Worcester, MA · Charter 64144
NCUA · 1 branch
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 | 0.58% | 0.63% | 1.31% | 1.29% | 1.12% | 0.95% | 0.69% | 0.92% | -37 bps | |
| Return on Equity | 5.29% | 5.49% | 11.69% | 11.23% | 9.54% | 8.19% | 5.97% | 7.86% | -337 bps | |
| Net Interest Margin | 3.56% | 3.64% | 3.29% | 3.45% | 3.55% | 3.48% | 3.47% | 3.52% | +6 bps | |
| Efficiency Ratio | 83.75% | 82.41% | 71.11% | 71.87% | 74.32% | 77.29% | 80.66% | 76.00% | +413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.91% | -1.92% | 3.23% | 5.73% | 2.24% | 7.93% | 4.25% | 4.80% | -92 bps | |
| Loan Growth (YoY) | -1.18% | -0.85% | 6.09% | 7.50% | 10.92% | 14.18% | 10.37% | 16.41% | +891 bps | |
| Share Growth (YoY) | -3.31% | -3.14% | 1.69% | 4.65% | 1.82% | 6.52% | 3.78% | 4.36% | -29 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 1.24% | 0.63% | 0.91% | 0.76% | 0.69% | 0.54% | 0.87% | -5 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 | 11.03% | 11.48% | 11.20% | 11.53% | 11.79% | 11.56% | 11.50% | 11.75% | +22 bps | |
| Net Worth / Assets | 11.03% | 11.48% | 11.20% | 11.53% | 11.79% | 11.56% | 11.50% | 11.75% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.05% | 67.74% | 67.62% | 69.39% | 73.03% | 72.62% | 71.91% | 77.40% | +801 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |