Newport, VT · Charter 64462
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -0.51% | -0.64% | 0.02% | 0.13% | +65 bps | |
| Return on Equity | -5.50% | -5.61% | -7.21% | 0.17% | 1.51% | +701 bps | |
| Net Interest Margin | 4.02% | 3.93% | 4.09% | 4.25% | 4.29% | +27 bps | |
| Efficiency Ratio | 108.06% | 107.14% | 105.81% | 95.77% | 97.02% | -1,104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.67% | 1.37% | 4.76% | 1.44% | 1.72% | +739 bps | |
| Loan Growth (YoY) | 0.18% | 0.01% | 0.11% | -4.43% | -10.83% | -1,100 bps | |
| Share Growth (YoY) | -5.31% | 2.42% | 5.86% | 2.28% | 2.37% | +768 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 0.21% | 0.84% | 0.43% | 0.23% | -74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.64% | 1.07% | 1.27% | 1.08% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.34% | 9.09% | 8.94% | 8.85% | 8.87% | -47 bps | |
| Net Worth / Assets | 9.34% | 9.09% | 8.94% | 8.85% | 8.87% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.99% | 63.68% | 64.33% | 59.57% | 57.48% | -851 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |