Medford, MA · Charter 66706
NCUA · 7 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 | -2.39% | -1.90% | -0.33% | 0.17% | 0.05% | -0.06% | -0.53% | -0.49% | -66 bps | |
| Return on Equity | -19.44% | -15.43% | -2.81% | 1.48% | 0.42% | -0.53% | -4.88% | -4.41% | -589 bps | |
| Net Interest Margin | 2.05% | 2.15% | 2.28% | 2.25% | 2.26% | 2.26% | 2.08% | 2.14% | -10 bps | |
| Efficiency Ratio | 393% | 244% | 109.19% | 89.37% | 94.61% | 98.69% | 118.21% | 117.07% | +2,770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.85% | -11.66% | -7.69% | -4.28% | 5.81% | 5.86% | 5.84% | 1.42% | +570 bps | |
| Loan Growth (YoY) | 0.92% | -3.46% | -5.07% | -5.53% | -6.24% | -5.60% | -6.20% | -6.71% | -118 bps | |
| Share Growth (YoY) | -4.82% | -1.62% | 2.98% | 5.84% | 7.09% | 7.33% | 8.22% | 5.59% | -25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.41% | 0.74% | 0.86% | 0.54% | 0.63% | 0.76% | 0.87% | +1 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 | 12.27% | 12.30% | 11.68% | 11.60% | 11.53% | 11.54% | 10.91% | 11.02% | -58 bps | |
| Net Worth / Assets | 12.27% | 12.30% | 11.68% | 11.60% | 11.53% | 11.54% | 10.91% | 11.02% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.18% | 74.23% | 69.06% | 66.36% | 65.82% | 65.29% | 59.85% | 58.63% | -773 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |