Leominster, MA · Charter 66699
NCUA · 10 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 | 0.14% | 0.09% | -0.15% | 0.10% | 0.22% | 0.37% | 0.39% | 0.33% | +23 bps | |
| Return on Equity | 1.78% | 1.15% | -1.89% | 1.20% | 2.59% | 4.23% | 4.39% | 3.80% | +260 bps | |
| Net Interest Margin | 2.30% | 2.35% | 2.42% | 2.54% | 2.62% | 2.69% | 2.84% | 2.79% | +26 bps | |
| Efficiency Ratio | 86.17% | 87.35% | 95.31% | 89.32% | 86.60% | 84.54% | 91.93% | 92.37% | +304 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.02% | -1.43% | -1.75% | -2.01% | -4.23% | -3.76% | -3.55% | -0.34% | +168 bps | |
| Loan Growth (YoY) | 0.50% | -1.56% | -1.56% | -1.01% | -2.36% | -2.74% | -2.69% | -1.77% | -76 bps | |
| Share Growth (YoY) | -0.23% | -0.31% | 1.11% | 1.51% | 1.50% | 1.99% | 0.99% | 0.18% | -133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.29% | 0.19% | 0.29% | 0.34% | 0.78% | 0.20% | 0.27% | -2 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 | 7.91% | 8.00% | 8.02% | 8.22% | 8.34% | 8.62% | 8.76% | 8.67% | +45 bps | |
| Net Worth / Assets | 7.91% | 8.00% | 8.02% | 8.22% | 8.34% | 8.62% | 8.76% | 8.67% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.87% | 95.44% | 92.52% | 93.13% | 93.18% | 91.02% | 89.15% | 91.32% | -181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |