Newport, VT · Charter 64782
NCUA · 2 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 | -1.00% | -0.70% | -0.30% | 0.08% | 0.23% | 0.30% | -0.67% | -0.42% | -50 bps | |
| Return on Equity | -10.77% | -7.10% | -2.88% | 0.82% | 2.15% | 2.82% | -6.72% | -4.17% | -500 bps | |
| Net Interest Margin | 4.90% | 5.17% | 5.88% | 5.70% | 5.85% | 5.63% | 4.93% | 5.03% | -67 bps | |
| Efficiency Ratio | 96.60% | 98.44% | 105.90% | 100.29% | 96.63% | 99.32% | 116.12% | 108.60% | +830 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.59% | -5.76% | -8.54% | -9.24% | -10.83% | -4.02% | 5.86% | 2.90% | +1,214 bps | |
| Loan Growth (YoY) | -5.49% | -8.25% | -9.50% | -12.16% | -14.71% | -11.25% | -7.12% | 4.42% | +1,657 bps | |
| Share Growth (YoY) | -2.84% | -5.72% | -8.94% | -9.55% | -11.79% | -4.54% | 6.76% | 3.18% | +1,273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 1.30% | 2.63% | 1.51% | 1.61% | 0.39% | 0.74% | 1.63% | +12 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 | 0.84% | 0.70% | 0.70% | 0.69% | 0.72% | 0.40% | 0.33% | 0.34% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.29% | 9.87% | 10.35% | 10.27% | 10.69% | 10.58% | 9.97% | 10.02% | -25 bps | |
| Net Worth / Assets | 9.29% | 9.87% | 10.35% | 10.27% | 10.69% | 10.58% | 9.97% | 10.02% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.03% | 92.55% | 95.35% | 89.67% | 88.02% | 86.04% | 82.95% | 90.75% | +108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |