Lowell, MA · Charter 67352
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.33% | 0.36% | 0.37% | 0.43% | +8 bps | |
| Return on Equity | 4.10% | 3.75% | 3.99% | 4.06% | 4.76% | +65 bps | |
| Net Interest Margin | 2.00% | 2.08% | 2.20% | 2.47% | 2.51% | +51 bps | |
| Efficiency Ratio | 86.56% | 87.27% | 86.43% | 86.15% | 84.35% | -221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.77% | 1.36% | -1.27% | -3.00% | -2.94% | -671 bps | |
| Loan Growth (YoY) | 0.81% | -0.08% | -1.05% | -1.50% | -0.87% | -168 bps | |
| Share Growth (YoY) | 5.66% | 2.06% | -1.32% | -4.15% | -4.59% | -1,025 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.20% | 0.21% | 0.19% | 0.30% | +1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.50% | 8.70% | 8.94% | 9.01% | 9.12% | +62 bps | |
| Net Worth / Assets | 8.50% | 8.70% | 8.94% | 9.01% | 9.12% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.91% | 101.51% | 103.31% | 102.42% | 103.80% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |