PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

All One

Leominster, MA · Charter 66699

NCUA · 10 branches

Q2 2026

$880.8MAssets
$632.1MLoans
$692.2MShares
$76.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.33%, up 23 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.27% of loans (-2 bps YoY).
  • Capital: net worth / assets of 8.67%, up 45 bps from a year ago.
  • Funding: loans stand at 91.32% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.33%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+26 bps YoY

Efficiency Ratio (YTD, annualized)

92.37%+304 bps YoY

Net Worth / Assets

8.67%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.09%-0.15%0.10%0.22%0.37%0.39%0.33%+23 bps
Return on Equity1.78%1.15%-1.89%1.20%2.59%4.23%4.39%3.80%+260 bps
Net Interest Margin2.30%2.35%2.42%2.54%2.62%2.69%2.84%2.79%+26 bps
Efficiency Ratio86.17%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 / Loans0.28%0.29%0.19%0.29%0.34%0.78%0.20%0.27%-2 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 Capital7.91%8.00%8.02%8.22%8.34%8.62%8.76%8.67%+45 bps
Net Worth / Assets7.91%8.00%8.02%8.22%8.34%8.62%8.76%8.67%+45 bps
Liquidity & Funding
Loans / Shares96.87%95.44%92.52%93.13%93.18%91.02%89.15%91.32%-181 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps