Chelsea, MA · Charter 66364
NCUA · 18 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.38% | 0.36% | 0.27% | 0.35% | -11 bps | |
| Return on Equity | 5.12% | 4.12% | 3.97% | 2.93% | 3.81% | -131 bps | |
| Net Interest Margin | 1.89% | 1.95% | 1.95% | 2.10% | 2.09% | +20 bps | |
| Efficiency Ratio | 80.58% | 83.43% | 83.84% | 85.63% | 82.25% | +166 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.56% | -6.19% | -4.14% | -2.08% | 0.92% | +647 bps | |
| Loan Growth (YoY) | -5.77% | -6.01% | -5.16% | -2.29% | -1.71% | +406 bps | |
| Share Growth (YoY) | -3.78% | -3.93% | -1.59% | 0.52% | 4.46% | +824 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.17% | 0.25% | 0.59% | 0.62% | +44 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 9.13% | 9.02% | 9.08% | 9.18% | +22 bps | |
| Net Worth / Assets | 8.96% | 9.13% | 9.02% | 9.08% | 9.18% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.89% | 106.75% | 104.57% | 100.98% | 99.63% | -626 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |