PackageTrendsPeer
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Lynn Teachers

Lynn, MA · Charter 67882

NCUA · 1 branch

Q2 2026

$5.2MAssets
$1.8MLoans
$4.1MShares
$1.1MNet 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 1.98%, down 10 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 1.62% of loans (+162 bps YoY).
  • Capital: net worth / assets of 20.44%, up 123 bps from a year ago.
  • Funding: loans stand at 44.06% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.98%-10 bps YoY

Net Interest Margin (quarter, annualized)

4.88%-15 bps YoY

Efficiency Ratio (quarter, annualized)

51.49%-726 bps YoY

Net Worth / Assets

20.44%+123 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%2.56%0.95%1.47%1.98%-10 bps
Return on Equity10.83%11.22%4.61%7.49%9.70%-113 bps
Net Interest Margin5.02%5.91%5.17%4.86%4.88%-15 bps
Efficiency Ratio58.75%56.89%77.17%55.84%51.49%-726 bps
Growth
Asset Growth (YoY)-3.40%0.15%4.82%2.83%-2.05%+135 bps
Loan Growth (YoY)10.44%8.77%12.30%7.35%-0.65%-1,108 bps
Share Growth (YoY)-6.23%-2.28%4.74%2.83%-3.01%+322 bps
Asset Quality
Delinquent Loans / Loans0.00%3.01%1.65%1.74%1.62%+162 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 Capital19.21%22.79%20.48%19.57%20.44%+123 bps
Net Worth / Assets19.21%22.79%20.48%19.57%20.44%+123 bps
Liquidity & Funding
Loans / Shares43.02%54.74%50.50%43.86%44.06%+105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps