South Boston, MA · Charter 67841
NCUA · 7 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 | -0.89% | -0.70% | 0.27% | 0.45% | 0.47% | 0.50% | 0.46% | 0.39% | -6 bps | |
| Return on Equity | -10.15% | -8.08% | 3.22% | 5.15% | 5.42% | 5.81% | 5.15% | 4.28% | -87 bps | |
| Net Interest Margin | 3.14% | 3.13% | 3.00% | 3.04% | 2.98% | 2.99% | 3.08% | 3.01% | -3 bps | |
| Efficiency Ratio | 124.72% | 116.52% | 88.68% | 77.07% | 79.62% | 78.15% | 87.08% | 88.91% | +1,184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.42% | -10.53% | -4.04% | -2.74% | 2.51% | 1.13% | -2.24% | -1.39% | +135 bps | |
| Loan Growth (YoY) | -8.03% | -8.79% | -9.42% | -9.83% | -9.76% | -8.20% | -7.95% | -8.01% | +182 bps | |
| Share Growth (YoY) | -11.35% | -7.67% | -5.14% | -2.38% | 2.37% | 0.11% | -3.43% | -2.35% | +3 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.39% | 0.86% | 1.45% | 1.84% | 2.59% | 1.53% | 1.95% | +50 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 | 8.76% | 8.65% | 8.42% | 8.67% | 8.65% | 8.64% | 8.96% | 9.07% | +40 bps | |
| Net Worth / Assets | 8.76% | 8.65% | 8.42% | 8.67% | 8.65% | 8.64% | 8.96% | 9.07% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.80% | 87.43% | 84.37% | 83.75% | 80.03% | 80.17% | 80.42% | 78.90% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |