Lowell, MA · Charter 66365
NCUA · 6 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 | -1.12% | -1.25% | -1.35% | -1.05% | -0.80% | -0.80% | -0.54% | -0.45% | +60 bps | |
| Return on Equity | -11.40% | -13.08% | -14.38% | -11.37% | -8.73% | -8.95% | -6.11% | -5.22% | +615 bps | |
| Net Interest Margin | 1.73% | 1.79% | 2.04% | 2.15% | 2.24% | 2.31% | 2.67% | 2.72% | +57 bps | |
| Efficiency Ratio | 145.19% | 149.19% | 148.45% | 134.64% | 118.92% | 119.08% | 111.42% | 108.80% | -2,584 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.06% | -5.50% | -5.49% | -4.35% | -4.74% | -3.11% | -2.39% | -0.17% | +418 bps | |
| Loan Growth (YoY) | -0.40% | -2.11% | -3.03% | -2.59% | -0.50% | 1.97% | 5.35% | 8.25% | +1,084 bps | |
| Share Growth (YoY) | -3.41% | -1.32% | 0.04% | 1.00% | 0.03% | 0.09% | -1.17% | -1.61% | -261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.89% | 0.58% | 0.75% | 1.71% | 1.89% | 1.64% | 1.46% | +71 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 | 9.84% | 9.55% | 9.37% | 9.22% | 9.21% | 8.95% | 8.89% | 8.67% | -54 bps | |
| Net Worth / Assets | 9.84% | 9.55% | 9.37% | 9.22% | 9.21% | 8.95% | 8.89% | 8.67% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.84% | 70.49% | 67.67% | 68.00% | 70.47% | 71.82% | 72.13% | 74.82% | +681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |