Boston, MA · Charter 67872
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 | 1.33% | 1.33% | 1.25% | 1.56% | 1.71% | 1.70% | 2.11% | 1.97% | +41 bps | |
| Return on Equity | 8.48% | 8.10% | 7.55% | 9.07% | 9.77% | 9.46% | 11.51% | 10.51% | +143 bps | |
| Net Interest Margin | 4.02% | 4.20% | 4.33% | 4.55% | 4.60% | 4.58% | 4.52% | 4.56% | 0 bps | |
| Efficiency Ratio | 66.60% | 67.51% | 68.18% | 64.40% | 61.75% | 62.15% | 66.53% | 63.74% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.46% | -6.42% | -4.62% | -2.36% | -2.76% | 0.93% | 0.98% | 1.73% | +409 bps | |
| Loan Growth (YoY) | -0.51% | -2.38% | 3.15% | 5.84% | 6.22% | 4.23% | -1.03% | 0.21% | -563 bps | |
| Share Growth (YoY) | -8.06% | -9.30% | -6.90% | -4.48% | -5.37% | -0.92% | -1.64% | -0.69% | +379 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.69% | 0.54% | 0.14% | 0.12% | 0.06% | 0.16% | 0.14% | 0 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 | 15.69% | 16.43% | 16.62% | 17.20% | 17.51% | 17.94% | 18.33% | 18.78% | +158 bps | |
| Net Worth / Assets | 15.69% | 16.43% | 16.62% | 17.20% | 17.51% | 17.94% | 18.33% | 18.78% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.94% | 63.95% | 66.45% | 68.35% | 69.52% | 67.28% | 66.86% | 68.97% | +62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |