Wakefield, RI · Charter 67270
NCUA · 5 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 | 0.28% | 0.29% | 0.32% | 0.80% | 0.77% | 0.77% | 0.62% | 0.75% | -5 bps | |
| Return on Equity | 3.24% | 3.38% | 3.72% | 9.03% | 8.47% | 8.40% | 6.69% | 8.04% | -99 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.87% | 2.94% | 3.00% | 3.04% | 3.16% | 3.20% | +26 bps | |
| Efficiency Ratio | 83.88% | 83.93% | 88.38% | 77.52% | 78.00% | 77.82% | 80.50% | 78.38% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.41% | 6.18% | 3.49% | 3.27% | 2.14% | 1.80% | 2.58% | 3.18% | -9 bps | |
| Loan Growth (YoY) | 3.41% | 5.26% | 4.05% | 2.37% | 2.46% | 4.50% | 4.25% | 6.05% | +367 bps | |
| Share Growth (YoY) | 0.66% | 4.28% | 4.17% | 5.11% | 6.03% | 2.88% | 2.43% | 2.06% | -305 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.16% | 0.14% | 0.12% | 0.14% | 0.24% | 0.27% | 0.21% | +10 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 | 8.65% | 8.61% | 8.67% | 8.90% | 9.09% | 9.20% | 9.26% | 9.34% | +43 bps | |
| Net Worth / Assets | 8.65% | 8.61% | 8.67% | 8.90% | 9.09% | 9.20% | 9.26% | 9.34% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.77% | 91.78% | 90.03% | 90.33% | 90.61% | 93.23% | 91.63% | 93.86% | +353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |