Newport, VT · Charter 64462
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 | 0.10% | -0.40% | -0.53% | -0.51% | -0.51% | -0.64% | 0.02% | 0.13% | +65 bps | |
| Return on Equity | 0.95% | -3.94% | -5.58% | -5.50% | -5.61% | -7.21% | 0.17% | 1.51% | +701 bps | |
| Net Interest Margin | 4.56% | 4.81% | 3.95% | 4.02% | 3.93% | 4.09% | 4.25% | 4.29% | +27 bps | |
| Efficiency Ratio | 93.21% | 94.46% | 111.45% | 108.06% | 107.14% | 105.81% | 95.77% | 97.02% | -1,104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.14% | -7.61% | -3.81% | -5.67% | 1.37% | 4.76% | 1.44% | 1.72% | +739 bps | |
| Loan Growth (YoY) | 12.47% | 6.22% | 2.44% | 0.18% | 0.01% | 0.11% | -4.43% | -10.83% | -1,100 bps | |
| Share Growth (YoY) | -7.88% | -7.79% | -3.40% | -5.31% | 2.42% | 5.86% | 2.28% | 2.37% | +768 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.36% | 1.10% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.93% | 1.00% | 0.97% | 0.64% | 1.07% | 1.27% | 1.08% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.05% | 10.04% | 9.48% | 9.34% | 9.09% | 8.94% | 8.85% | 8.87% | -47 bps | |
| Net Worth / Assets | 10.05% | 10.04% | 9.48% | 9.34% | 9.09% | 8.94% | 8.85% | 8.87% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.22% | 68.03% | 63.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |