PackageTrendsPeer
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New Bedford

New Bedford, MA · Charter 66733

NCUA · 2 branches

Q2 2026

$168.7MAssets
$115.1MLoans
$149.7MShares
$18.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.72%, down 4 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.44% of loans (-44 bps YoY).
  • Capital: net worth / assets of 11.01%, up 63 bps from a year ago.
  • Funding: loans stand at 76.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+8 bps YoY

Efficiency Ratio (YTD, annualized)

81.62%+27 bps YoY

Net Worth / Assets

11.01%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.76%0.74%0.66%0.72%-4 bps
Return on Equity7.35%7.10%6.86%6.07%6.55%-80 bps
Net Interest Margin3.70%3.78%3.77%3.75%3.78%+8 bps
Efficiency Ratio81.35%81.87%82.53%82.05%81.62%+27 bps
Growth
Asset Growth (YoY)1.66%3.10%2.93%-0.49%0.58%-108 bps
Loan Growth (YoY)2.93%3.00%4.67%3.35%2.02%-91 bps
Share Growth (YoY)1.46%2.53%2.42%-1.28%-0.30%-176 bps
Asset Quality
Delinquent Loans / Loans0.88%0.98%0.72%0.61%0.44%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.37%10.64%10.74%10.82%11.01%+63 bps
Net Worth / Assets10.37%10.64%10.74%10.82%11.01%+63 bps
Liquidity & Funding
Loans / Shares75.17%76.74%78.21%76.93%76.92%+175 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps