Middletown, RI · Charter 65861
NCUA · 6 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 | 0.12% | 0.06% | -0.03% | 0.10% | 0.17% | 0.22% | 0.22% | 0.26% | +16 bps | |
| Return on Equity | 1.14% | 0.60% | -0.26% | 0.98% | 1.69% | 2.19% | 2.25% | 2.62% | +163 bps | |
| Net Interest Margin | 2.08% | 2.12% | 2.17% | 2.19% | 2.23% | 2.32% | 2.67% | 2.70% | +52 bps | |
| Efficiency Ratio | 96.14% | 98.80% | 99.67% | 96.33% | 95.22% | 93.79% | 90.83% | 90.63% | -570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 4.10% | 8.47% | 7.88% | 8.07% | 8.15% | 3.83% | 1.51% | -637 bps | |
| Loan Growth (YoY) | 6.55% | 5.77% | 10.12% | 13.37% | 11.87% | 9.66% | 2.71% | -2.11% | -1,549 bps | |
| Share Growth (YoY) | 1.42% | 3.83% | 6.75% | 9.16% | 7.41% | 8.04% | 5.94% | 3.11% | -605 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.39% | 0.35% | 0.27% | 0.40% | 0.40% | 0.40% | 0.57% | +30 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 | 10.43% | 10.45% | 10.10% | 9.81% | 9.75% | 9.88% | 10.01% | 9.97% | +15 bps | |
| Net Worth / Assets | 10.43% | 10.45% | 10.10% | 9.81% | 9.75% | 9.88% | 10.01% | 9.97% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.11% | 104.69% | 106.28% | 107.46% | 108.43% | 106.26% | 103.04% | 102.01% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |