Fall River, MA · Charter 67605
NCUA · 12 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.21% | 0.15% | 0.23% | 0.29% | 0.35% | 0.61% | 0.71% | +48 bps | |
| Return on Equity | 2.24% | 2.36% | 1.69% | 2.61% | 3.20% | 3.83% | 6.33% | 7.30% | +469 bps | |
| Net Interest Margin | 2.12% | 2.01% | 2.05% | 2.12% | 2.17% | 2.22% | 2.55% | 2.62% | +49 bps | |
| Efficiency Ratio | 87.70% | 86.98% | 87.35% | 84.98% | 83.87% | 82.31% | 75.47% | 72.89% | -1,209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.69% | 12.46% | 8.63% | 11.57% | 8.96% | 1.96% | -3.96% | -3.52% | -1,509 bps | |
| Loan Growth (YoY) | 21.77% | 22.29% | 19.35% | 17.49% | 13.75% | 1.86% | -5.76% | -7.46% | -2,495 bps | |
| Share Growth (YoY) | 1.50% | 3.38% | 3.45% | 1.99% | 3.65% | 5.53% | 7.70% | 10.04% | +805 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.39% | 0.24% | 0.49% | 0.36% | 0.48% | 0.18% | 0.35% | -14 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 | 9.49% | 9.03% | 8.74% | 8.82% | 8.99% | 9.21% | 9.57% | 9.74% | +92 bps | |
| Net Worth / Assets | 9.49% | 9.03% | 8.74% | 8.82% | 8.99% | 9.21% | 9.57% | 9.74% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.98% | 101.05% | 103.40% | 105.57% | 103.14% | 97.53% | 90.48% | 88.78% | -1,679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |