Fairhaven, MA · Charter 67481
NCUA · 4 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 | 0.05% | -0.05% | -1.73% | -1.60% | -1.44% | -1.55% | -0.27% | -1.06% | +54 bps | |
| Return on Equity | 0.50% | -0.50% | -19.48% | -18.11% | -16.53% | -18.09% | -3.19% | -12.51% | +559 bps | |
| Net Interest Margin | 2.04% | 1.95% | 1.71% | 1.87% | 1.87% | 1.94% | 1.90% | 1.99% | +12 bps | |
| Efficiency Ratio | 94.95% | 98.81% | 121.31% | 113.70% | 115.92% | 118.61% | 107.13% | 123.78% | +1,008 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.48% | -3.24% | -1.25% | -1.77% | -2.49% | -7.12% | -8.65% | -9.47% | -770 bps | |
| Loan Growth (YoY) | -9.75% | -11.87% | -11.79% | -10.20% | -10.94% | -9.20% | -9.75% | -9.86% | +34 bps | |
| Share Growth (YoY) | -6.97% | 0.59% | 6.06% | 6.04% | 5.92% | 2.30% | -0.85% | -1.46% | -750 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.19% | 2.71% | 3.67% | 3.84% | 4.14% | 3.65% | 3.57% | -11 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 | 9.63% | 9.42% | 8.90% | 8.82% | 8.71% | 8.58% | 8.58% | 8.46% | -35 bps | |
| Net Worth / Assets | 9.63% | 9.42% | 8.90% | 8.82% | 8.71% | 8.58% | 8.58% | 8.46% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.91% | 102.20% | 98.26% | 96.99% | 93.25% | 90.71% | 89.44% | 88.72% | -827 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |