Lynn, MA · Charter 66346
NCUA · 5 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 | 0.27% | 0.28% | 0.47% | 0.32% | 0.35% | 0.35% | 0.73% | 0.54% | +22 bps | |
| Return on Equity | 2.52% | 2.60% | 4.75% | 3.54% | 3.86% | 3.73% | 7.92% | 5.87% | +234 bps | |
| Net Interest Margin | 2.86% | 2.95% | 2.88% | 2.75% | 2.81% | 2.88% | 3.00% | 3.05% | +30 bps | |
| Efficiency Ratio | 92.26% | 91.91% | 87.45% | 89.73% | 88.48% | 88.29% | 79.97% | 84.46% | -527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.61% | 22.53% | 30.29% | 29.70% | 22.84% | 22.15% | 11.44% | 3.36% | -2,634 bps | |
| Loan Growth (YoY) | 12.07% | 21.36% | 28.11% | 38.09% | 25.75% | 18.28% | 13.08% | 12.53% | -2,556 bps | |
| Share Growth (YoY) | 27.58% | 27.46% | 34.50% | 34.34% | 23.92% | 24.55% | 13.84% | 2.47% | -3,187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 1.14% | 0.56% | 0.35% | 0.89% | 0.59% | 0.56% | 0.82% | +47 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 | 10.86% | 10.90% | 9.81% | 9.00% | 9.17% | 9.27% | 9.22% | 9.16% | +15 bps | |
| Net Worth / Assets | 10.86% | 10.90% | 9.81% | 9.00% | 9.17% | 9.27% | 9.22% | 9.16% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.06% | 93.23% | 86.66% | 85.18% | 86.32% | 88.53% | 86.09% | 93.54% | +836 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |