PackageTrendsPeer
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Luso-American

Peabody, MA · Charter 67890

NCUA · 4 branches

Q2 2026

$123.0MAssets
$73.5MLoans
$102.4MShares
$19.9MNet 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 0.47%, down 41 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.22% of loans (+4 bps YoY).
  • Capital: net worth / assets of 16.21%, up 86 bps from a year ago.
  • Funding: loans stand at 71.74% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.47%-41 bps YoY

Net Interest Margin (quarter, annualized)

3.42%-3 bps YoY

Efficiency Ratio (quarter, annualized)

87.21%+1,187 bps YoY

Net Worth / Assets

16.21%+86 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.88%0.79%0.35%0.47%-41 bps
Return on Equity5.73%5.60%4.98%2.17%2.88%-285 bps
Net Interest Margin3.45%3.51%3.53%3.37%3.42%-3 bps
Efficiency Ratio75.34%76.07%78.44%90.26%87.21%+1,187 bps
Growth
Asset Growth (YoY)2.51%2.51%-0.60%-2.69%-1.81%-433 bps
Loan Growth (YoY)-3.97%-2.95%-2.92%-4.27%-6.33%-236 bps
Share Growth (YoY)1.90%1.88%-1.54%-3.93%-2.79%-469 bps
Asset Quality
Delinquent Loans / Loans0.18%0.20%0.67%0.37%0.22%+4 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 Capital15.34%15.66%15.93%16.08%16.21%+86 bps
Net Worth / Assets15.34%15.66%15.93%16.08%16.21%+86 bps
Liquidity & Funding
Loans / Shares74.44%75.20%75.22%74.17%71.74%-271 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps