Quincy, MA · Charter 67709
NCUA · 3 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 | 0.44% | 0.51% | 0.55% | 0.59% | 0.63% | 0.62% | 0.59% | 0.81% | +23 bps | |
| Return on Equity | 3.14% | 3.53% | 3.91% | 4.10% | 4.40% | 4.39% | 4.17% | 5.57% | +147 bps | |
| Net Interest Margin | 2.47% | 2.50% | 2.49% | 2.60% | 2.65% | 2.62% | 2.76% | 2.84% | +24 bps | |
| Efficiency Ratio | 82.29% | 80.35% | 81.20% | 79.41% | 78.26% | 78.02% | 80.57% | 76.26% | -315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.06% | -2.65% | 0.70% | 1.11% | 1.69% | 5.37% | 2.17% | 2.92% | +181 bps | |
| Loan Growth (YoY) | 4.95% | 1.36% | 0.54% | -2.44% | -1.14% | 1.76% | 4.14% | 7.14% | +958 bps | |
| Share Growth (YoY) | -3.74% | -3.21% | -0.31% | 0.63% | 1.33% | 4.66% | 1.23% | 2.21% | +159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.42% | 0.26% | 0.47% | 1.01% | 0.67% | 0.46% | 0.75% | +28 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 | 14.05% | 14.32% | 13.98% | 14.31% | 14.38% | 14.15% | 14.25% | 14.57% | +27 bps | |
| Net Worth / Assets | 14.05% | 14.32% | 13.98% | 14.31% | 14.38% | 14.15% | 14.25% | 14.57% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.86% | 71.63% | 69.01% | 69.31% | 70.11% | 69.65% | 71.00% | 72.65% | +334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |