Athol, MA · Charter 66819
NCUA · 1 branch
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 | -0.07% | 0.02% | -0.45% | 0.16% | 0.06% | 0.13% | -0.34% | -0.30% | -46 bps | |
| Return on Equity | -0.81% | 0.24% | -5.05% | 1.73% | 0.65% | 1.48% | -3.88% | -3.46% | -519 bps | |
| Net Interest Margin | 3.03% | 2.98% | 3.08% | 3.38% | 3.28% | 3.26% | 3.53% | 3.51% | +13 bps | |
| Efficiency Ratio | 96.63% | 94.85% | 100.80% | 89.41% | 92.93% | 91.89% | 106.24% | 104.31% | +1,490 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.31% | 5.14% | 6.15% | -0.78% | 2.14% | 2.95% | 2.11% | 8.72% | +950 bps | |
| Loan Growth (YoY) | 6.90% | 6.93% | 4.85% | -0.25% | 1.45% | 1.80% | 2.56% | 7.62% | +786 bps | |
| Share Growth (YoY) | 1.70% | 1.66% | 0.77% | 3.28% | 3.36% | 2.05% | 5.18% | 3.72% | +44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 0.56% | 0.53% | 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 | 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 | 9.19% | 9.03% | 8.87% | 9.45% | 9.08% | 8.85% | 8.78% | 8.57% | -88 bps | |
| Net Worth / Assets | 9.19% | 9.03% | 8.87% | 9.45% | 9.08% | 8.85% | 8.78% | 8.57% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.47% | 113.67% | 113.59% | 108.29% | 109.41% | 113.40% | 110.76% | 112.35% | +406 bps | |
| Liquid Assets / Assets | 99.95% | 99.33% | 99.88% | 0.00% | 98.56% | 99.06% | 0.00% | 99.50% | +9,950 bps | |