PackageTrendsPeer
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Polish National

Chicopee, MA · Charter 66597

NCUA · 8 branches

Q2 2026

$776.9MAssets
$641.4MLoans
$614.5MShares
$105.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, up 15 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.17% of loans (-9 bps YoY).
  • Capital: net worth / assets of 13.58%, up 10 bps from a year ago.
  • Funding: loans stand at 104.36% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+24 bps YoY

Efficiency Ratio (YTD, annualized)

83.98%-480 bps YoY

Net Worth / Assets

13.58%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.35%0.26%0.37%0.38%0.37%0.61%0.52%+15 bps
Return on Equity2.80%2.59%1.94%2.74%2.80%2.71%4.47%3.84%+110 bps
Net Interest Margin2.70%2.57%2.60%2.72%2.77%2.82%2.99%2.96%+24 bps
Efficiency Ratio88.16%88.99%91.94%88.78%88.68%89.19%80.92%83.98%-480 bps
Growth
Asset Growth (YoY)-4.97%2.33%4.77%5.16%7.35%1.96%-0.33%2.61%-255 bps
Loan Growth (YoY)-4.19%-0.67%3.05%4.11%5.09%4.17%2.76%4.16%+5 bps
Share Growth (YoY)-1.70%-0.53%2.37%2.20%1.98%3.86%1.66%2.54%+34 bps
Asset Quality
Delinquent Loans / Loans0.31%0.15%0.10%0.26%0.25%0.14%0.37%0.17%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.13%13.52%13.17%13.48%13.51%13.63%13.67%13.58%+10 bps
Net Worth / Assets14.13%13.52%13.17%13.48%13.51%13.63%13.67%13.58%+10 bps
Liquidity & Funding
Loans / Shares101.54%102.74%100.91%102.74%104.64%103.04%102.00%104.36%+162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps