Athol, MA · Charter 66819
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.06% | 0.13% | -0.34% | -0.30% | -46 bps | |
| Return on Equity | 1.73% | 0.65% | 1.48% | -3.88% | -3.46% | -519 bps | |
| Net Interest Margin | 3.38% | 3.28% | 3.26% | 3.53% | 3.51% | +13 bps | |
| Efficiency Ratio | 89.41% | 92.93% | 91.89% | 106.24% | 104.31% | +1,490 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.78% | 2.14% | 2.95% | 2.11% | 8.72% | +950 bps | |
| Loan Growth (YoY) | -0.25% | 1.45% | 1.80% | 2.56% | 7.62% | +786 bps | |
| Share Growth (YoY) | 3.28% | 3.36% | 2.05% | 5.18% | 3.72% | +44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.49% | 0.60% | 0.66% | 1.20% | +103 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.45% | 9.08% | 8.85% | 8.78% | 8.57% | -88 bps | |
| Net Worth / Assets | 9.45% | 9.08% | 8.85% | 8.78% | 8.57% | -88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.29% | 109.41% | 113.40% | 110.76% | 112.35% | +406 bps | |
| Liquid Assets / Assets | 0.00% | 98.56% | 99.06% | 0.00% | 99.50% | +9,950 bps | |