Lynn, MA · Charter 67840
NCUA · 2 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 | 0.34% | 0.27% | 1.27% | 1.01% | 0.98% | 0.90% | 0.56% | 0.33% | -67 bps | |
| Return on Equity | 1.23% | 0.97% | 4.53% | 3.57% | 3.44% | 3.23% | 2.15% | 1.29% | -228 bps | |
| Net Interest Margin | 2.46% | 2.53% | 3.12% | 2.88% | 2.74% | 2.85% | 2.14% | 2.16% | -71 bps | |
| Efficiency Ratio | 86.12% | 87.36% | 59.21% | 65.00% | 64.34% | 68.59% | 73.81% | 84.59% | +1,959 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.90% | -3.43% | -0.73% | -1.25% | 0.62% | 4.37% | 10.47% | 11.31% | +1,256 bps | |
| Loan Growth (YoY) | 22.34% | 6.18% | -10.19% | -14.85% | -19.05% | -20.45% | -13.09% | -11.59% | +326 bps | |
| Share Growth (YoY) | -7.88% | -5.92% | -2.74% | -3.47% | -0.42% | 4.53% | 13.27% | 14.62% | +1,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 0.19% | 1.50% | 0.50% | 0.67% | 0.10% | 0.57% | 1.35% | +85 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 | 27.82% | 28.15% | 28.03% | 28.23% | 28.39% | 27.81% | 26.01% | 25.85% | -238 bps | |
| Net Worth / Assets | 27.82% | 28.15% | 28.03% | 28.23% | 28.39% | 27.81% | 26.01% | 25.85% | -238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.57% | 64.94% | 58.29% | 56.23% | 54.93% | 49.42% | 44.73% | 43.37% | -1,286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |