Lynn, MA · Charter 67558
NCUA · 3 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.76% | -0.81% | -0.72% | -0.70% | -0.63% | -0.66% | -0.63% | -0.58% | +12 bps | |
| Return on Equity | -8.65% | -9.32% | -8.77% | -8.63% | -8.20% | -9.31% | -9.04% | -8.39% | +25 bps | |
| Net Interest Margin | 2.84% | 3.06% | 2.92% | 2.99% | 2.89% | 2.80% | 2.83% | 2.90% | -9 bps | |
| Efficiency Ratio | 115.47% | 111.33% | 113.21% | 111.96% | 112.00% | 113.86% | 112.74% | 111.07% | -89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.18% | 3.08% | 9.42% | 7.48% | 3.81% | 12.06% | 7.02% | 7.19% | -29 bps | |
| Loan Growth (YoY) | 5.62% | 11.66% | 10.19% | 10.80% | 11.66% | 14.37% | 12.68% | 10.18% | -62 bps | |
| Share Growth (YoY) | 4.32% | -1.32% | 5.88% | 6.00% | 3.73% | 12.15% | 10.55% | 10.78% | +479 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 1.02% | 1.02% | 1.09% | 0.21% | 0.77% | 1.26% | 0.99% | -10 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 | 8.77% | 8.74% | 8.17% | 8.07% | 7.72% | 7.12% | 6.96% | 6.89% | -118 bps | |
| Net Worth / Assets | 8.77% | 8.74% | 8.17% | 8.07% | 7.72% | 7.12% | 6.96% | 6.89% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.08% | 88.64% | 90.16% | 92.92% | 91.58% | 90.40% | 91.90% | 92.42% | -50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |