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Lowell Firefighters

Lowell, MA · Charter 67767

NCUA · 1 branch

Q2 2026

$28.3MAssets
$14.9MLoans
$25.0MShares
$3.2MNet 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 0.38%, up 51 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.09% of loans (-131 bps YoY).
  • Capital: net worth / assets of 11.27%, down 130 bps from a year ago.
  • Funding: loans stand at 59.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+37 bps YoY

Efficiency Ratio (YTD, annualized)

86.50%+219 bps YoY

Net Worth / Assets

11.27%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%-0.59%-0.93%0.32%0.38%+51 bps
Return on Equity-1.02%-4.71%-7.85%2.75%3.40%+443 bps
Net Interest Margin2.92%3.17%3.17%3.36%3.29%+37 bps
Efficiency Ratio84.31%87.60%96.25%84.48%86.50%+219 bps
Growth
Asset Growth (YoY)0.10%-3.98%-0.06%1.58%2.45%+235 bps
Loan Growth (YoY)-4.28%-3.51%-5.97%-4.49%-7.01%-273 bps
Share Growth (YoY)0.34%-4.08%0.71%2.59%3.57%+323 bps
Asset Quality
Delinquent Loans / Loans1.40%0.00%0.12%0.00%0.09%-131 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 Capital12.58%12.56%11.83%11.65%11.27%-130 bps
Net Worth / Assets12.58%12.56%11.83%11.65%11.27%-130 bps
Liquidity & Funding
Loans / Shares66.63%69.41%65.48%64.45%59.83%-681 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps