Worcester, MA · Charter 67683
NCUA · 1 branch
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 | 0.06% | 0.07% | 0.29% | 0.40% | 0.52% | 0.43% | 0.36% | 0.85% | +45 bps | |
| Return on Equity | 0.47% | 0.51% | 2.20% | 3.03% | 3.91% | 3.43% | 2.85% | 6.45% | +342 bps | |
| Net Interest Margin | 1.83% | 1.88% | 2.17% | 2.28% | 2.39% | 2.30% | 2.45% | 2.85% | +57 bps | |
| Efficiency Ratio | 96.09% | 95.09% | 88.13% | 83.11% | 79.50% | 80.67% | 71.24% | 69.72% | -1,339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.25% | -1.53% | -2.33% | -0.26% | -1.33% | 6.13% | 8.35% | 5.08% | +534 bps | |
| Loan Growth (YoY) | 5.75% | 11.68% | 15.85% | 9.42% | 13.61% | 1.12% | -6.31% | -4.69% | -1,410 bps | |
| Share Growth (YoY) | -3.68% | -1.80% | -2.82% | -0.69% | -1.92% | 3.70% | 8.87% | 4.98% | +567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.81% | 0.86% | 1.51% | 1.12% | 0.69% | 1.04% | 0.91% | -60 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 | 12.65% | 12.88% | 13.17% | 13.10% | 13.24% | 12.63% | 12.61% | 13.18% | +8 bps | |
| Net Worth / Assets | 12.65% | 12.88% | 13.17% | 13.10% | 13.24% | 12.63% | 12.61% | 13.18% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.77% | 27.49% | 28.51% | 27.56% | 27.54% | 26.81% | 24.54% | 25.03% | -254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |