Marlborough, MA · Charter 67864
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.19% | 0.24% | 0.30% | 0.33% | 0.36% | 0.19% | 0.25% | -5 bps | |
| Return on Equity | 1.58% | 1.67% | 2.11% | 2.63% | 2.84% | 3.11% | 1.63% | 2.18% | -45 bps | |
| Net Interest Margin | 2.19% | 2.19% | 2.26% | 2.37% | 2.45% | 2.42% | 2.59% | 2.68% | +31 bps | |
| Efficiency Ratio | 92.49% | 91.92% | 89.96% | 86.75% | 85.82% | 85.10% | 90.45% | 89.94% | +319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.41% | 1.00% | 1.33% | 1.76% | 0.54% | 3.26% | 3.18% | 1.64% | -12 bps | |
| Loan Growth (YoY) | 1.85% | 0.45% | 0.24% | 1.62% | 1.00% | 1.17% | 1.69% | -0.27% | -189 bps | |
| Share Growth (YoY) | -4.05% | -1.70% | 1.18% | 2.64% | 3.89% | 4.74% | 3.53% | 3.23% | +58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.15% | 0.06% | 0.05% | 0.09% | 0.08% | 0.07% | 0.08% | +3 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 | 11.45% | 11.46% | 11.50% | 11.54% | 11.69% | 11.45% | 11.42% | 11.69% | +15 bps | |
| Net Worth / Assets | 11.45% | 11.46% | 11.50% | 11.54% | 11.69% | 11.45% | 11.42% | 11.69% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.20% | 93.13% | 90.09% | 91.62% | 92.55% | 89.95% | 88.49% | 88.52% | -310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |