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Quincy

Quincy, MA · Charter 67709

NCUA · 3 branches

Q2 2026

$729.4MAssets
$469.1MLoans
$645.8MShares
$106.3MNet 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 0.81%, up 23 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.75% of loans (+28 bps YoY).
  • Capital: net worth / assets of 14.57%, up 27 bps from a year ago.
  • Funding: loans stand at 72.65% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+24 bps YoY

Efficiency Ratio (YTD, annualized)

76.26%-315 bps YoY

Net Worth / Assets

14.57%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.63%0.62%0.59%0.81%+23 bps
Return on Equity4.10%4.40%4.39%4.17%5.57%+147 bps
Net Interest Margin2.60%2.65%2.62%2.76%2.84%+24 bps
Efficiency Ratio79.41%78.26%78.02%80.57%76.26%-315 bps
Growth
Asset Growth (YoY)1.11%1.69%5.37%2.17%2.92%+181 bps
Loan Growth (YoY)-2.44%-1.14%1.76%4.14%7.14%+958 bps
Share Growth (YoY)0.63%1.33%4.66%1.23%2.21%+159 bps
Asset Quality
Delinquent Loans / Loans0.47%1.01%0.67%0.46%0.75%+28 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 Capital14.31%14.38%14.15%14.25%14.57%+27 bps
Net Worth / Assets14.31%14.38%14.15%14.25%14.57%+27 bps
Liquidity & Funding
Loans / Shares69.31%70.11%69.65%71.00%72.65%+334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps