West Roxbury, MA · Charter 66369
NCUA · 2 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 | 0.41% | 0.42% | 0.54% | 0.55% | 0.54% | 0.44% | 0.56% | 0.66% | +11 bps | |
| Return on Equity | 2.58% | 2.65% | 3.37% | 3.31% | 3.26% | 2.56% | 3.33% | 3.90% | +60 bps | |
| Net Interest Margin | 2.81% | 2.80% | 2.75% | 2.82% | 2.89% | 3.00% | 2.96% | 3.09% | +26 bps | |
| Efficiency Ratio | 82.75% | 83.07% | 81.74% | 82.11% | 82.24% | 82.32% | 82.64% | 80.15% | -196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.46% | 1.33% | 0.07% | -0.49% | -2.90% | -5.24% | -1.07% | 0.46% | +96 bps | |
| Loan Growth (YoY) | 4.67% | 2.12% | 0.60% | -1.02% | -2.32% | 0.80% | 2.93% | 6.47% | +748 bps | |
| Share Growth (YoY) | 3.19% | 1.54% | -0.17% | -1.76% | -4.38% | -7.48% | -2.02% | -0.41% | +136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.44% | 1.12% | 2.23% | 0.41% | 1.40% | 0.38% | 1.43% | -81 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 | 15.70% | 15.85% | 16.09% | 16.51% | 16.69% | 17.16% | 16.69% | 16.92% | +41 bps | |
| Net Worth / Assets | 15.70% | 15.85% | 16.09% | 16.51% | 16.69% | 17.16% | 16.69% | 16.92% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.13% | 78.21% | 78.58% | 79.98% | 80.83% | 85.21% | 82.54% | 85.50% | +552 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |