PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Anne's

Fall River, MA · Charter 67605

NCUA · 12 branches

Q2 2026

$1.4BAssets
$1.0BLoans
$1.1BShares
$131.5MNet 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 0.71%, up 48 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.35% of loans (-14 bps YoY).
  • Capital: net worth / assets of 9.74%, up 92 bps from a year ago.
  • Funding: loans stand at 88.78% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.71%+48 bps YoY

Net Interest Margin (quarter, annualized)

2.62%+49 bps YoY

Efficiency Ratio (quarter, annualized)

72.89%-1,209 bps YoY

Net Worth / Assets

9.74%+92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.29%0.35%0.61%0.71%+48 bps
Return on Equity2.61%3.20%3.83%6.33%7.30%+469 bps
Net Interest Margin2.12%2.17%2.22%2.55%2.62%+49 bps
Efficiency Ratio84.98%83.87%82.31%75.47%72.89%-1,209 bps
Growth
Asset Growth (YoY)11.57%8.96%1.96%-3.96%-3.52%-1,509 bps
Loan Growth (YoY)17.49%13.75%1.86%-5.76%-7.46%-2,495 bps
Share Growth (YoY)1.99%3.65%5.53%7.70%10.04%+805 bps
Asset Quality
Delinquent Loans / Loans0.49%0.36%0.48%0.18%0.35%-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 Capital8.82%8.99%9.21%9.57%9.74%+92 bps
Net Worth / Assets8.82%8.99%9.21%9.57%9.74%+92 bps
Liquidity & Funding
Loans / Shares105.57%103.14%97.53%90.48%88.78%-1,679 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps