Warwick, RI · Charter 66594
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 | 0.52% | 0.57% | 0.58% | 0.62% | 0.79% | 0.92% | 1.05% | 1.05% | +43 bps | |
| Return on Equity | 5.96% | 6.20% | 6.25% | 6.78% | 8.30% | 9.49% | 10.80% | 10.89% | +410 bps | |
| Net Interest Margin | 2.26% | 2.41% | 2.65% | 2.69% | 2.82% | 2.83% | 3.07% | 3.03% | +33 bps | |
| Efficiency Ratio | 71.47% | 71.40% | 72.28% | 70.16% | 67.37% | 64.35% | 65.86% | 65.54% | -462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | -0.36% | -1.00% | 1.16% | -0.11% | 4.89% | 5.62% | 6.32% | +516 bps | |
| Loan Growth (YoY) | 7.04% | 0.28% | 1.17% | -0.50% | 0.48% | 6.13% | 5.90% | 9.62% | +1,011 bps | |
| Share Growth (YoY) | 5.51% | -0.93% | -3.24% | 2.65% | 0.40% | 4.73% | 7.25% | 5.72% | +306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.54% | 0.50% | 0.50% | 0.38% | 0.63% | 0.40% | 0.48% | -3 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 | 8.76% | 9.19% | 9.23% | 9.15% | 9.48% | 9.65% | 9.73% | 9.68% | +53 bps | |
| Net Worth / Assets | 8.76% | 9.19% | 9.23% | 9.15% | 9.48% | 9.65% | 9.73% | 9.68% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.41% | 98.35% | 100.56% | 96.59% | 99.49% | 99.66% | 99.29% | 100.16% | +356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |