Lynn, MA · Charter 66350
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.41% | 3.88% | -0.99% | 2.69% | 3.42% | 3.42% | -3.54% | 3.55% | +86 bps | |
| Return on Equity | 8.37% | 9.51% | -2.52% | 6.82% | 8.27% | 8.22% | -8.66% | 8.13% | +131 bps | |
| Net Interest Margin | 2.26% | 2.23% | 2.31% | 2.30% | 2.38% | 2.41% | 2.66% | 2.70% | +40 bps | |
| Efficiency Ratio | 46.42% | 42.64% | 156.74% | 50.77% | 45.33% | 45.12% | n/a | 45.71% | -506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 5.48% | 9.38% | 14.92% | 8.79% | 6.66% | 2.54% | -0.85% | -1,576 bps | |
| Loan Growth (YoY) | -0.57% | -2.16% | -1.46% | -2.75% | 0.26% | 0.56% | 0.15% | 1.32% | +407 bps | |
| Share Growth (YoY) | 2.84% | 7.01% | 13.88% | 17.86% | 7.61% | 4.93% | -0.44% | -7.65% | -2,550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.12% | 0.07% | 0.20% | 0.19% | 0.60% | 0.83% | 1.18% | +98 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 | 40.74% | 40.84% | 39.12% | 39.51% | 41.30% | 41.68% | 40.90% | 43.67% | +416 bps | |
| Net Worth / Assets | 40.74% | 40.84% | 39.12% | 39.51% | 41.30% | 41.68% | 40.90% | 43.67% | +416 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.60% | 90.43% | 84.84% | 81.93% | 87.21% | 86.66% | 85.34% | 89.88% | +796 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |