New Bedford, MA · Charter 66733
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.81% | 0.75% | 0.76% | 0.76% | 0.74% | 0.66% | 0.72% | -4 bps | |
| Return on Equity | 7.76% | 7.84% | 7.48% | 7.35% | 7.10% | 6.86% | 6.07% | 6.55% | -80 bps | |
| Net Interest Margin | 3.46% | 3.50% | 3.56% | 3.70% | 3.78% | 3.77% | 3.75% | 3.78% | +8 bps | |
| Efficiency Ratio | 79.75% | 79.50% | 81.16% | 81.35% | 81.87% | 82.53% | 82.05% | 81.62% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | 0.38% | 2.33% | 1.66% | 3.10% | 2.93% | -0.49% | 0.58% | -108 bps | |
| Loan Growth (YoY) | -0.59% | -0.36% | 1.27% | 2.93% | 3.00% | 4.67% | 3.35% | 2.02% | -91 bps | |
| Share Growth (YoY) | -2.22% | -0.28% | 2.31% | 1.46% | 2.53% | 2.42% | -1.28% | -0.30% | -176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 1.34% | 0.62% | 0.88% | 0.98% | 0.72% | 0.61% | 0.44% | -44 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 | 10.19% | 10.31% | 10.09% | 10.37% | 10.64% | 10.74% | 10.82% | 11.01% | +63 bps | |
| Net Worth / Assets | 10.19% | 10.31% | 10.09% | 10.37% | 10.64% | 10.74% | 10.82% | 11.01% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.39% | 76.54% | 73.48% | 75.17% | 76.74% | 78.21% | 76.93% | 76.92% | +175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |