Lowell, MA · Charter 67767
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 | 0.14% | 0.12% | 0.11% | -0.13% | -0.59% | -0.93% | 0.32% | 0.38% | +51 bps | |
| Return on Equity | 1.14% | 0.94% | 0.86% | -1.02% | -4.71% | -7.85% | 2.75% | 3.40% | +443 bps | |
| Net Interest Margin | 2.49% | 2.70% | 2.87% | 2.92% | 3.17% | 3.17% | 3.36% | 3.29% | +37 bps | |
| Efficiency Ratio | 80.58% | 81.77% | 89.55% | 84.31% | 87.60% | 96.25% | 84.48% | 86.50% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | 0.06% | -2.86% | 0.10% | -3.98% | -0.06% | 1.58% | 2.45% | +235 bps | |
| Loan Growth (YoY) | -1.13% | -3.60% | -4.33% | -4.28% | -3.51% | -5.97% | -4.49% | -7.01% | -273 bps | |
| Share Growth (YoY) | 0.96% | 0.36% | -2.97% | 0.34% | -4.08% | 0.71% | 2.59% | 3.57% | +323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.88% | 2.22% | 2.09% | 1.40% | 0.00% | 0.12% | 0.00% | 0.09% | -131 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 | 12.47% | 12.75% | 12.86% | 12.58% | 12.56% | 11.83% | 11.65% | 11.27% | -130 bps | |
| Net Worth / Assets | 12.47% | 12.75% | 12.86% | 12.58% | 12.56% | 11.83% | 11.65% | 11.27% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.00% | 70.13% | 69.23% | 66.63% | 69.41% | 65.48% | 64.45% | 59.83% | -681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |