Sharon, MA · Charter 67836
NCUA · 13 branches
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 | 0.21% | 0.32% | 0.50% | 0.62% | 0.70% | 0.67% | 0.95% | 0.88% | +26 bps | |
| Return on Equity | 1.60% | 2.43% | 3.87% | 5.10% | 5.66% | 5.37% | 7.55% | 6.85% | +175 bps | |
| Net Interest Margin | 2.42% | 2.46% | 2.60% | 2.50% | 2.61% | 2.65% | 2.91% | 3.00% | +49 bps | |
| Efficiency Ratio | 86.71% | 83.51% | 83.26% | 78.42% | 74.66% | 72.81% | 67.46% | 67.41% | -1,101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.83% | -0.27% | -0.92% | 9.93% | 12.13% | 12.43% | 9.04% | 0.38% | -955 bps | |
| Loan Growth (YoY) | 2.89% | 1.88% | 1.51% | 1.50% | 3.49% | 6.54% | 8.02% | 7.22% | +572 bps | |
| Share Growth (YoY) | 0.22% | 2.06% | 4.48% | 4.91% | 4.15% | 3.81% | 0.57% | -0.48% | -540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.41% | 0.23% | 0.31% | 0.56% | 0.37% | 0.30% | 0.43% | +11 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 | 13.16% | 13.23% | 12.84% | 12.09% | 12.40% | 12.43% | 12.56% | 12.83% | +75 bps | |
| Net Worth / Assets | 13.16% | 13.23% | 12.84% | 12.09% | 12.40% | 12.43% | 12.56% | 12.83% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.67% | 86.69% | 82.43% | 84.16% | 88.10% | 88.96% | 88.54% | 90.67% | +651 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |