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Jeanne D'Arc

Lowell, MA · Charter 67352

NCUA · 13 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.7BShares
$199.9MNet 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 0.43%, up 8 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.30% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.12%, up 62 bps from a year ago.
  • Funding: loans stand at 103.80% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.43%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.51%+51 bps YoY

Efficiency Ratio (quarter, annualized)

84.35%-221 bps YoY

Net Worth / Assets

9.12%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.33%0.36%0.37%0.43%+8 bps
Return on Equity4.10%3.75%3.99%4.06%4.76%+65 bps
Net Interest Margin2.00%2.08%2.20%2.47%2.51%+51 bps
Efficiency Ratio86.56%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 / Loans0.29%0.20%0.21%0.19%0.30%+1 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 Capital8.50%8.70%8.94%9.01%9.12%+62 bps
Net Worth / Assets8.50%8.70%8.94%9.01%9.12%+62 bps
Liquidity & Funding
Loans / Shares99.91%101.51%103.31%102.42%103.80%+389 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps