PackageTrendsPeer
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Holyoke

Holyoke, MA · Charter 67875

NCUA · 3 branches

Q2 2026

$296.4MAssets
$203.2MLoans
$240.3MShares
$27.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.48%, up 7 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 1.42% of loans (+96 bps YoY).
  • Capital: net worth / assets of 9.16%, up 20 bps from a year ago.
  • Funding: loans stand at 84.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+50 bps YoY

Efficiency Ratio (YTD, annualized)

81.00%-266 bps YoY

Net Worth / Assets

9.16%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.45%0.39%0.42%0.48%+7 bps
Return on Equity4.57%4.95%4.39%4.70%5.20%+62 bps
Net Interest Margin2.77%2.83%2.85%3.18%3.28%+50 bps
Efficiency Ratio83.67%81.72%82.67%82.97%81.00%-266 bps
Growth
Asset Growth (YoY)1.23%1.35%2.33%1.30%2.68%+145 bps
Loan Growth (YoY)13.82%13.92%9.87%13.33%12.25%-157 bps
Share Growth (YoY)2.83%7.13%6.23%4.33%5.08%+225 bps
Asset Quality
Delinquent Loans / Loans0.46%0.51%0.39%0.36%1.42%+96 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.97%9.02%8.90%8.94%9.16%+20 bps
Net Worth / Assets8.97%9.02%8.90%8.94%9.16%+20 bps
Liquidity & Funding
Loans / Shares79.16%80.26%80.05%81.38%84.56%+540 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps