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Letter portraitLegal landscapeQuarterYTD

Haverhill Fire Department

Haverhill, MA · Charter 67710

NCUA · 3 branches

Q2 2026

$27.7MAssets
$16.0MLoans
$25.0MShares
$2.6MNet 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 0.50%, up 9 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.58%, down 27 bps from a year ago.
  • Funding: loans stand at 64.15% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.50%+9 bps YoY

Net Interest Margin (quarter, annualized)

2.81%+10 bps YoY

Efficiency Ratio (quarter, annualized)

83.90%-260 bps YoY

Net Worth / Assets

9.58%-27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.42%0.35%0.48%0.50%+9 bps
Return on Equity4.14%4.20%3.68%5.04%5.23%+109 bps
Net Interest Margin2.71%2.74%2.66%2.80%2.81%+10 bps
Efficiency Ratio86.50%86.39%88.09%84.52%83.90%-260 bps
Growth
Asset Growth (YoY)3.79%5.43%2.70%3.10%7.39%+361 bps
Loan Growth (YoY)-0.91%-5.80%-6.02%-6.46%-3.64%-273 bps
Share Growth (YoY)3.60%5.61%2.40%2.91%7.70%+410 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.02%0.02%+2 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 Capital9.85%9.91%9.61%9.59%9.58%-27 bps
Net Worth / Assets9.85%9.91%9.61%9.59%9.58%-27 bps
Liquidity & Funding
Loans / Shares71.70%70.02%65.99%63.76%64.15%-755 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps