Springfield, MA · Charter 66824
NCUA · 9 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 | 0.37% | 0.42% | 0.51% | 0.29% | 0.49% | 0.77% | 0.50% | 0.57% | +28 bps | |
| Return on Equity | 2.69% | 3.07% | 3.74% | 2.13% | 3.56% | 5.40% | 3.49% | 4.02% | +190 bps | |
| Net Interest Margin | 2.49% | 2.56% | 2.71% | 2.71% | 2.70% | 2.74% | 2.73% | 2.70% | -1 bps | |
| Efficiency Ratio | 88.59% | 87.77% | 84.33% | 89.46% | 85.33% | 79.63% | 85.13% | 84.22% | -524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | -0.58% | 0.13% | -0.24% | 1.77% | 2.42% | 2.40% | 3.47% | +371 bps | |
| Loan Growth (YoY) | -0.02% | -3.83% | -3.79% | -3.26% | -3.75% | -3.50% | -2.24% | -3.68% | -42 bps | |
| Share Growth (YoY) | 4.09% | 2.14% | 1.72% | 1.98% | 3.65% | 4.62% | 4.48% | 4.72% | +273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.79% | 1.92% | 2.39% | 2.56% | 2.26% | 2.08% | 1.81% | -57 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 | 13.65% | 13.76% | 13.78% | 13.82% | 13.86% | 14.20% | 14.22% | 14.26% | +44 bps | |
| Net Worth / Assets | 13.65% | 13.76% | 13.78% | 13.82% | 13.86% | 14.20% | 14.22% | 14.26% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.12% | 95.82% | 92.43% | 92.02% | 90.19% | 88.38% | 86.49% | 84.64% | -738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |