Lynn, MA · Charter 67882
NCUA · 1 branch
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 | 1.96% | 1.88% | 2.32% | 2.08% | 2.56% | 0.95% | 1.47% | 1.98% | -10 bps | |
| Return on Equity | 9.33% | 9.16% | 11.93% | 10.83% | 11.22% | 4.61% | 7.49% | 9.70% | -113 bps | |
| Net Interest Margin | 5.93% | 5.44% | 5.17% | 5.02% | 5.91% | 5.17% | 4.86% | 4.88% | -15 bps | |
| Efficiency Ratio | 67.37% | 65.95% | 55.38% | 58.75% | 56.89% | 77.17% | 55.84% | 51.49% | -726 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | -5.26% | -4.77% | -3.40% | 0.15% | 4.82% | 2.83% | -2.05% | +135 bps | |
| Loan Growth (YoY) | 27.63% | 27.37% | 26.13% | 10.44% | 8.77% | 12.30% | 7.35% | -0.65% | -1,108 bps | |
| Share Growth (YoY) | -4.10% | -8.75% | -8.07% | -6.23% | -2.28% | 4.74% | 2.83% | -3.01% | +322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.00% | 0.44% | 0.00% | 3.01% | 1.65% | 1.74% | 1.62% | +162 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 | 21.03% | 20.48% | 19.41% | 19.21% | 22.79% | 20.48% | 19.57% | 20.44% | +123 bps | |
| Net Worth / Assets | 21.03% | 20.48% | 19.41% | 19.21% | 22.79% | 20.48% | 19.57% | 20.44% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.18% | 47.10% | 42.01% | 43.02% | 54.74% | 50.50% | 43.86% | 44.06% | +105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |