PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fall River Municipal

Fall River, MA · Charter 67894

NCUA · 3 branches

Q2 2026

$316.5MAssets
$188.5MLoans
$241.6MShares
$30.0MNet 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 0.21%, up 20 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 0.47% of loans (+18 bps YoY).
  • Capital: net worth / assets of 9.49%, down 50 bps from a year ago.
  • Funding: loans stand at 78.01% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.21%+20 bps YoY

Net Interest Margin (quarter, annualized)

2.01%+24 bps YoY

Efficiency Ratio (quarter, annualized)

89.26%-517 bps YoY

Net Worth / Assets

9.49%-50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.09%0.10%0.02%0.21%+20 bps
Return on Equity0.10%0.89%1.06%0.26%2.25%+215 bps
Net Interest Margin1.76%1.72%1.71%1.94%2.01%+24 bps
Efficiency Ratio94.43%91.22%90.31%96.56%89.26%-517 bps
Growth
Asset Growth (YoY)2.15%3.93%6.26%4.96%7.48%+533 bps
Loan Growth (YoY)-1.56%1.97%5.17%6.05%5.67%+723 bps
Share Growth (YoY)8.05%7.30%8.75%5.30%8.94%+88 bps
Asset Quality
Delinquent Loans / Loans0.30%0.37%0.50%0.23%0.47%+18 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 Capital9.99%9.70%9.42%9.43%9.49%-50 bps
Net Worth / Assets9.99%9.70%9.42%9.43%9.49%-50 bps
Liquidity & Funding
Loans / Shares80.42%82.68%81.25%79.67%78.01%-241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps