Haverhill, MA · Charter 67710
NCUA · 3 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 | 0.13% | 0.14% | 0.28% | 0.41% | 0.42% | 0.35% | 0.48% | 0.50% | +9 bps | |
| Return on Equity | 1.26% | 1.46% | 2.97% | 4.14% | 4.20% | 3.68% | 5.04% | 5.23% | +109 bps | |
| Net Interest Margin | 2.40% | 2.30% | 2.53% | 2.71% | 2.74% | 2.66% | 2.80% | 2.81% | +10 bps | |
| Efficiency Ratio | 95.40% | 94.73% | 90.05% | 86.50% | 86.39% | 88.09% | 84.52% | 83.90% | -260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 5.48% | 6.68% | 3.79% | 5.43% | 2.70% | 3.10% | 7.39% | +361 bps | |
| Loan Growth (YoY) | 2.58% | -0.30% | -1.52% | -0.91% | -5.80% | -6.02% | -6.46% | -3.64% | -273 bps | |
| Share Growth (YoY) | -0.23% | 5.89% | 6.75% | 3.60% | 5.61% | 2.40% | 2.91% | 7.70% | +410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.99% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | +2 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 | 10.07% | 9.51% | 9.47% | 9.85% | 9.91% | 9.61% | 9.59% | 9.58% | -27 bps | |
| Net Worth / Assets | 10.07% | 9.51% | 9.47% | 9.85% | 9.91% | 9.61% | 9.59% | 9.58% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.50% | 71.91% | 70.14% | 71.70% | 70.02% | 65.99% | 63.76% | 64.15% | -755 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |