Billerica, MA · Charter 66336
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 | 0.87% | 0.73% | 0.55% | 0.59% | 0.58% | 0.63% | 0.82% | 0.89% | +30 bps | |
| Return on Equity | 4.48% | 4.11% | 3.21% | 3.64% | 3.45% | 3.74% | 4.75% | 5.03% | +140 bps | |
| Net Interest Margin | 2.47% | 2.16% | 1.90% | 1.84% | 1.99% | 2.00% | 2.20% | 2.38% | +54 bps | |
| Efficiency Ratio | 65.02% | 65.69% | 71.36% | 68.17% | 71.13% | 68.63% | 62.93% | 62.75% | -541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.73% | 15.03% | 17.27% | 21.99% | 19.67% | 9.32% | 2.82% | -4.07% | -2,606 bps | |
| Loan Growth (YoY) | 22.59% | 11.13% | 7.59% | 5.27% | -2.98% | -5.33% | -10.97% | -13.89% | -1,916 bps | |
| Share Growth (YoY) | 5.84% | 17.79% | 20.61% | 26.52% | 23.61% | 10.48% | 2.50% | -6.64% | -3,315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.01% | 0.08% | 0.18% | 0.05% | 0.07% | 0.00% | -8 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 | 19.45% | 17.80% | 17.09% | 16.28% | 16.82% | 16.92% | 17.34% | 17.76% | +148 bps | |
| Net Worth / Assets | 19.45% | 17.80% | 17.09% | 16.28% | 16.82% | 16.92% | 17.34% | 17.76% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.58% | 38.82% | 37.43% | 34.75% | 35.00% | 33.27% | 32.51% | 32.05% | -270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |