Pawtucket, RI · Charter 67278
NCUA · 19 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 | 0.29% | 0.26% | 0.41% | 0.46% | 0.50% | 0.52% | 0.48% | 0.73% | +27 bps | |
| Return on Equity | 2.88% | 2.53% | 4.02% | 4.42% | 4.81% | 4.97% | 4.58% | 6.86% | +244 bps | |
| Net Interest Margin | 1.54% | 1.55% | 1.72% | 1.78% | 1.82% | 1.87% | 2.03% | 2.08% | +30 bps | |
| Efficiency Ratio | 84.40% | 84.37% | 78.46% | 77.12% | 75.42% | 73.97% | 75.95% | 69.01% | -811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 0.61% | 1.86% | 2.35% | 1.87% | 2.30% | 2.45% | 2.70% | +35 bps | |
| Loan Growth (YoY) | 0.04% | -1.08% | 0.57% | 0.08% | 1.05% | 0.19% | -0.42% | 1.30% | +122 bps | |
| Share Growth (YoY) | 4.13% | 4.92% | 5.17% | 5.82% | 4.65% | 4.21% | 4.38% | 3.97% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.29% | 0.22% | 0.29% | 0.25% | 0.35% | 0.17% | 0.22% | -8 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 | 10.23% | 10.24% | 10.21% | 10.30% | 10.40% | 10.48% | 10.45% | 10.63% | +34 bps | |
| Net Worth / Assets | 10.23% | 10.24% | 10.21% | 10.30% | 10.40% | 10.48% | 10.45% | 10.63% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.69% | 113.46% | 112.45% | 111.38% | 110.74% | 109.08% | 107.29% | 108.53% | -285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |