Worcester, MA · Charter 67599
NCUA · 2 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 | 0.65% | 0.63% | 0.65% | 0.60% | 0.60% | 0.58% | 0.27% | 0.36% | -24 bps | |
| Return on Equity | 4.07% | 3.83% | 4.04% | 3.69% | 3.67% | 3.61% | 1.64% | 2.18% | -151 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.01% | 3.10% | 3.11% | 3.11% | 3.14% | 3.21% | +11 bps | |
| Efficiency Ratio | 81.10% | 82.04% | 80.41% | 82.30% | 82.48% | 82.90% | 91.49% | 89.13% | +684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | 0.35% | 1.77% | 2.78% | 2.63% | 5.41% | 1.07% | 0.60% | -218 bps | |
| Loan Growth (YoY) | 2.77% | 2.04% | -0.95% | -0.71% | 0.61% | 1.54% | 5.36% | 4.89% | +560 bps | |
| Share Growth (YoY) | 0.51% | -0.40% | 1.19% | 2.20% | 2.19% | 5.08% | 0.11% | -0.40% | -259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.01% | 0.02% | 0.08% | 0.07% | 0.03% | 0.05% | 0.07% | -1 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 | 16.07% | 16.39% | 15.97% | 16.22% | 16.23% | 16.13% | 16.30% | 16.60% | +38 bps | |
| Net Worth / Assets | 16.07% | 16.39% | 15.97% | 16.22% | 16.23% | 16.13% | 16.30% | 16.60% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.74% | 67.58% | 63.57% | 65.77% | 66.69% | 65.31% | 66.91% | 69.26% | +349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |