Southbridge, MA · Charter 66374
NCUA · 5 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 | 0.23% | 0.23% | 0.28% | 0.36% | 0.43% | 0.45% | 0.49% | 0.42% | +7 bps | |
| Return on Equity | 1.98% | 2.07% | 2.65% | 3.33% | 3.93% | 4.22% | 4.63% | 4.00% | +67 bps | |
| Net Interest Margin | 3.07% | 3.00% | 3.05% | 3.21% | 3.27% | 3.24% | 3.38% | 3.44% | +23 bps | |
| Efficiency Ratio | 90.74% | 89.99% | 90.77% | 88.59% | 86.46% | 86.40% | 87.56% | 84.24% | -435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.08% | 4.41% | 5.56% | 6.11% | 7.53% | 6.23% | 3.89% | 4.55% | -156 bps | |
| Loan Growth (YoY) | 1.84% | -0.56% | -0.52% | 0.25% | -1.00% | 0.19% | 0.32% | 2.39% | +215 bps | |
| Share Growth (YoY) | 4.38% | 10.56% | 9.85% | 9.58% | 9.25% | 7.22% | 4.92% | 4.32% | -526 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.30% | 0.14% | 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 | 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 | 11.46% | 10.99% | 10.55% | 10.72% | 10.91% | 10.67% | 10.53% | 10.62% | -10 bps | |
| Net Worth / Assets | 11.46% | 10.99% | 10.55% | 10.72% | 10.91% | 10.67% | 10.53% | 10.62% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.69% | 89.91% | 86.95% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |