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Brookline Municipal

Brookline, MA · Charter 67340

NCUA · 2 branches

Q2 2026

$51.0MAssets
$14.5MLoans
$44.0MShares
$6.8MNet 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 1.18%, up 32 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.03% of loans (-28 bps YoY).
  • Capital: net worth / assets of 13.43%, up 56 bps from a year ago.
  • Funding: loans stand at 32.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.18%+32 bps YoY

Net Interest Margin (quarter, annualized)

2.97%+39 bps YoY

Efficiency Ratio (quarter, annualized)

62.47%-600 bps YoY

Net Worth / Assets

13.43%+56 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.89%0.94%1.10%1.18%+32 bps
Return on Equity6.70%6.73%7.07%8.41%8.78%+207 bps
Net Interest Margin2.57%2.67%2.67%2.83%2.97%+39 bps
Efficiency Ratio68.47%67.71%67.48%63.74%62.47%-600 bps
Growth
Asset Growth (YoY)7.40%7.01%5.55%5.01%4.21%-318 bps
Loan Growth (YoY)-2.74%1.75%-3.05%-0.03%1.92%+467 bps
Share Growth (YoY)7.75%7.15%5.23%4.52%3.32%-443 bps
Asset Quality
Delinquent Loans / Loans0.31%0.25%0.19%0.06%0.03%-28 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 Capital12.87%13.25%13.35%13.09%13.43%+56 bps
Net Worth / Assets12.87%13.25%13.35%13.09%13.43%+56 bps
Liquidity & Funding
Loans / Shares33.43%35.14%33.73%32.35%32.98%-45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps