PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Brotherhood

Lynn, MA · Charter 66350

NCUA · 3 branches

Q2 2026

$125.2MAssets
$62.7MLoans
$69.7MShares
$54.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.55%, up 86 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 1.18% of loans (+98 bps YoY).
  • Capital: net worth / assets of 43.67%, up 416 bps from a year ago.
  • Funding: loans stand at 89.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

3.55%+86 bps YoY

Net Interest Margin (quarter, annualized)

2.70%+40 bps YoY

Efficiency Ratio (quarter, annualized)

45.71%-506 bps YoY

Net Worth / Assets

43.67%+416 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.69%3.42%3.42%-3.54%3.55%+86 bps
Return on Equity6.82%8.27%8.22%-8.66%8.13%+131 bps
Net Interest Margin2.30%2.38%2.41%2.66%2.70%+40 bps
Efficiency Ratio50.77%45.33%45.12%n/a45.71%-506 bps
Growth
Asset Growth (YoY)14.92%8.79%6.66%2.54%-0.85%-1,576 bps
Loan Growth (YoY)-2.75%0.26%0.56%0.15%1.32%+407 bps
Share Growth (YoY)17.86%7.61%4.93%-0.44%-7.65%-2,550 bps
Asset Quality
Delinquent Loans / Loans0.20%0.19%0.60%0.83%1.18%+98 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital39.51%41.30%41.68%40.90%43.67%+416 bps
Net Worth / Assets39.51%41.30%41.68%40.90%43.67%+416 bps
Liquidity & Funding
Loans / Shares81.93%87.21%86.66%85.34%89.88%+796 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps