PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Liberty Bay

Braintree, MA · Charter 67541

NCUA · 4 branches

Q2 2026

$827.4MAssets
$644.1MLoans
$591.3MShares
$124.6MNet 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 0.53%, up 5 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.24% of loans (-14 bps YoY).
  • Capital: net worth / assets of 15.06%, up 30 bps from a year ago.
  • Funding: loans stand at 108.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+32 bps YoY

Efficiency Ratio (YTD, annualized)

80.55%-249 bps YoY

Net Worth / Assets

15.06%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.51%0.55%0.49%0.53%+5 bps
Return on Equity3.25%3.47%3.69%3.36%3.54%+30 bps
Net Interest Margin2.41%2.47%2.51%2.64%2.74%+32 bps
Efficiency Ratio83.03%82.23%81.28%80.09%80.55%-249 bps
Growth
Asset Growth (YoY)1.42%0.65%1.43%2.88%1.90%+47 bps
Loan Growth (YoY)0.90%0.72%-0.38%2.29%1.13%+23 bps
Share Growth (YoY)2.03%2.24%4.72%5.30%6.30%+428 bps
Asset Quality
Delinquent Loans / Loans0.39%0.41%0.27%0.09%0.24%-14 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 Capital14.76%14.84%14.94%14.70%15.06%+30 bps
Net Worth / Assets14.76%14.84%14.94%14.70%15.06%+30 bps
Liquidity & Funding
Loans / Shares114.49%114.40%112.52%108.84%108.92%-557 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps