Peabody, MA · Charter 67890
NCUA · 4 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 | 1.08% | 0.94% | 0.73% | 0.88% | 0.88% | 0.79% | 0.35% | 0.47% | -41 bps | |
| Return on Equity | 7.12% | 6.27% | 4.88% | 5.73% | 5.60% | 4.98% | 2.17% | 2.88% | -285 bps | |
| Net Interest Margin | 3.86% | 3.72% | 3.37% | 3.45% | 3.51% | 3.53% | 3.37% | 3.42% | -3 bps | |
| Efficiency Ratio | 69.14% | 72.18% | 78.48% | 75.34% | 76.07% | 78.44% | 90.26% | 87.21% | +1,187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 1.83% | 3.32% | 2.51% | 2.51% | -0.60% | -2.69% | -1.81% | -433 bps | |
| Loan Growth (YoY) | -5.32% | -2.56% | -2.36% | -3.97% | -2.95% | -2.92% | -4.27% | -6.33% | -236 bps | |
| Share Growth (YoY) | -0.36% | 1.08% | 2.82% | 1.90% | 1.88% | -1.54% | -3.93% | -2.79% | -469 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.07% | 0.08% | 0.18% | 0.20% | 0.67% | 0.37% | 0.22% | +4 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 | 15.23% | 15.05% | 14.97% | 15.34% | 15.66% | 15.93% | 16.08% | 16.21% | +86 bps | |
| Net Worth / Assets | 15.23% | 15.05% | 14.97% | 15.34% | 15.66% | 15.93% | 16.08% | 16.21% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.94% | 76.28% | 74.43% | 74.44% | 75.20% | 75.22% | 74.17% | 71.74% | -271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |