Haverhill, MA · Charter 67749
NCUA · 1 branch
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 | 0.35% | 0.25% | 0.38% | 0.50% | 0.49% | 0.38% | 0.68% | 0.67% | +18 bps | |
| Return on Equity | 2.38% | 1.71% | 2.75% | 3.56% | 3.33% | 2.71% | 4.99% | 4.89% | +133 bps | |
| Net Interest Margin | 2.82% | 2.76% | 2.79% | 2.87% | 3.09% | 2.95% | 3.00% | 3.14% | +27 bps | |
| Efficiency Ratio | 88.91% | 91.28% | 87.27% | 84.71% | 85.71% | 88.32% | 79.30% | 80.34% | -436 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.11% | 1.22% | 2.92% | 4.60% | 3.40% | 6.34% | 5.78% | 4.39% | -21 bps | |
| Loan Growth (YoY) | 9.39% | 3.72% | 7.12% | 11.99% | 10.15% | 3.43% | 7.13% | 8.40% | -359 bps | |
| Share Growth (YoY) | -2.49% | 1.43% | 3.21% | 5.01% | 3.70% | 6.92% | 6.17% | 4.87% | -14 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.01% | 0.01% | 0.06% | 0.06% | 0.04% | 0.11% | +10 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 | 14.82% | 14.44% | 14.01% | 13.91% | 14.69% | 13.95% | 13.69% | 13.79% | -12 bps | |
| Net Worth / Assets | 14.82% | 14.44% | 14.01% | 13.91% | 14.69% | 13.95% | 13.69% | 13.79% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.78% | 60.22% | 59.60% | 61.08% | 66.68% | 58.25% | 60.14% | 63.14% | +206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |