Southbridge, MA · Charter 66374
NCUA · 5 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 | 0.36% | 0.43% | 0.45% | 0.49% | 0.42% | +7 bps | |
| Return on Equity | 3.33% | 3.93% | 4.22% | 4.63% | 4.00% | +67 bps | |
| Net Interest Margin | 3.21% | 3.27% | 3.24% | 3.38% | 3.44% | +23 bps | |
| Efficiency Ratio | 88.59% | 86.46% | 86.40% | 87.56% | 84.24% | -435 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.11% | 7.53% | 6.23% | 3.89% | 4.55% | -156 bps | |
| Loan Growth (YoY) | 0.25% | -1.00% | 0.19% | 0.32% | 2.39% | +215 bps | |
| Share Growth (YoY) | 9.58% | 9.25% | 7.22% | 4.92% | 4.32% | -526 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.20% | 0.23% | 0.24% | 0.23% | +5 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 | 10.72% | 10.91% | 10.67% | 10.53% | 10.62% | -10 bps | |
| Net Worth / Assets | 10.72% | 10.91% | 10.67% | 10.53% | 10.62% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.85% | 86.71% | 84.01% | 83.13% | 85.24% | -161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |