Holyoke, MA · Charter 67875
NCUA · 3 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 | 0.15% | 0.18% | 0.37% | 0.41% | 0.45% | 0.39% | 0.42% | 0.48% | +7 bps | |
| Return on Equity | 1.72% | 2.03% | 4.29% | 4.57% | 4.95% | 4.39% | 4.70% | 5.20% | +62 bps | |
| Net Interest Margin | 2.12% | 2.20% | 2.61% | 2.77% | 2.83% | 2.85% | 3.18% | 3.28% | +50 bps | |
| Efficiency Ratio | 93.16% | 92.16% | 84.36% | 83.67% | 81.72% | 82.67% | 82.97% | 81.00% | -266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.18% | 8.06% | 10.81% | 1.23% | 1.35% | 2.33% | 1.30% | 2.68% | +145 bps | |
| Loan Growth (YoY) | 33.70% | 34.81% | 26.69% | 13.82% | 13.92% | 9.87% | 13.33% | 12.25% | -157 bps | |
| Share Growth (YoY) | -0.49% | 1.17% | 4.15% | 2.83% | 7.13% | 6.23% | 4.33% | 5.08% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.86% | 0.36% | 0.46% | 0.51% | 0.39% | 0.36% | 1.42% | +96 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 | 8.73% | 8.71% | 8.65% | 8.97% | 9.02% | 8.90% | 8.94% | 9.16% | +20 bps | |
| Net Worth / Assets | 8.73% | 8.71% | 8.65% | 8.97% | 9.02% | 8.90% | 8.94% | 9.16% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.48% | 77.40% | 74.92% | 79.16% | 80.26% | 80.05% | 81.38% | 84.56% | +540 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |