Warwick, RI · Charter 67269
NCUA · 8 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 | 1.14% | 0.82% | 0.06% | 0.08% | 0.03% | 0.03% | 0.13% | 0.26% | +18 bps | |
| Return on Equity | 10.55% | 7.68% | 0.61% | 0.75% | 0.29% | 0.30% | 1.30% | 2.53% | +178 bps | |
| Net Interest Margin | 2.99% | 3.01% | 3.16% | 3.27% | 3.42% | 3.45% | 3.79% | 3.91% | +64 bps | |
| Efficiency Ratio | 72.47% | 78.40% | 94.01% | 93.82% | 94.16% | 94.37% | 92.11% | 90.31% | -351 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 2.54% | -0.10% | 2.40% | 0.55% | 1.80% | 2.23% | 1.97% | -43 bps | |
| Loan Growth (YoY) | 0.31% | -1.79% | 1.99% | 1.92% | 2.55% | 7.95% | 9.92% | 13.71% | +1,179 bps | |
| Share Growth (YoY) | 1.14% | 1.32% | -0.41% | 2.62% | 0.57% | 1.92% | 2.19% | 1.53% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.41% | 0.34% | 0.40% | 0.36% | 0.46% | 0.31% | 0.38% | -3 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 | 10.82% | 10.65% | 10.50% | 10.54% | 10.69% | 10.43% | 10.26% | 10.40% | -13 bps | |
| Net Worth / Assets | 10.82% | 10.65% | 10.50% | 10.54% | 10.69% | 10.43% | 10.26% | 10.40% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.48% | 76.73% | 76.31% | 77.01% | 79.00% | 81.27% | 82.09% | 86.25% | +924 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |