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Westerly Community

Wakefield, RI · Charter 67270

NCUA · 5 branches

Q2 2026

$519.9MAssets
$423.6MLoans
$451.3MShares
$48.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.75%, down 5 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.21% of loans (+10 bps YoY).
  • Capital: net worth / assets of 9.34%, up 43 bps from a year ago.
  • Funding: loans stand at 93.86% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.75%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+26 bps YoY

Efficiency Ratio (quarter, annualized)

78.38%+86 bps YoY

Net Worth / Assets

9.34%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.77%0.77%0.62%0.75%-5 bps
Return on Equity9.03%8.47%8.40%6.69%8.04%-99 bps
Net Interest Margin2.94%3.00%3.04%3.16%3.20%+26 bps
Efficiency Ratio77.52%78.00%77.82%80.50%78.38%+86 bps
Growth
Asset Growth (YoY)3.27%2.14%1.80%2.58%3.18%-9 bps
Loan Growth (YoY)2.37%2.46%4.50%4.25%6.05%+367 bps
Share Growth (YoY)5.11%6.03%2.88%2.43%2.06%-305 bps
Asset Quality
Delinquent Loans / Loans0.12%0.14%0.24%0.27%0.21%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.90%9.09%9.20%9.26%9.34%+43 bps
Net Worth / Assets8.90%9.09%9.20%9.26%9.34%+43 bps
Liquidity & Funding
Loans / Shares90.33%90.61%93.23%91.63%93.86%+353 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps