PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

HTM

Haverhill, MA · Charter 67749

NCUA · 1 branch

Q2 2026

$29.6MAssets
$16.2MLoans
$25.6MShares
$4.1MNet 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 0.67%, up 18 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.11% of loans (+10 bps YoY).
  • Capital: net worth / assets of 13.79%, down 12 bps from a year ago.
  • Funding: loans stand at 63.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+27 bps YoY

Efficiency Ratio (YTD, annualized)

80.34%-436 bps YoY

Net Worth / Assets

13.79%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.49%0.38%0.68%0.67%+18 bps
Return on Equity3.56%3.33%2.71%4.99%4.89%+133 bps
Net Interest Margin2.87%3.09%2.95%3.00%3.14%+27 bps
Efficiency Ratio84.71%85.71%88.32%79.30%80.34%-436 bps
Growth
Asset Growth (YoY)4.60%3.40%6.34%5.78%4.39%-21 bps
Loan Growth (YoY)11.99%10.15%3.43%7.13%8.40%-359 bps
Share Growth (YoY)5.01%3.70%6.92%6.17%4.87%-14 bps
Asset Quality
Delinquent Loans / Loans0.01%0.06%0.06%0.04%0.11%+10 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 Capital13.91%14.69%13.95%13.69%13.79%-12 bps
Net Worth / Assets13.91%14.69%13.95%13.69%13.79%-12 bps
Liquidity & Funding
Loans / Shares61.08%66.68%58.25%60.14%63.14%+206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps