Fall River, MA · Charter 67894
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.09% | -0.38% | 0.01% | 0.09% | 0.10% | 0.02% | 0.21% | +20 bps | |
| Return on Equity | 1.11% | 0.88% | -3.88% | 0.10% | 0.89% | 1.06% | 0.26% | 2.25% | +215 bps | |
| Net Interest Margin | 1.66% | 1.64% | 1.69% | 1.76% | 1.72% | 1.71% | 1.94% | 2.01% | +24 bps | |
| Efficiency Ratio | 93.23% | 93.47% | 110.09% | 94.43% | 91.22% | 90.31% | 96.56% | 89.26% | -517 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.36% | 5.14% | 4.16% | 2.15% | 3.93% | 6.26% | 4.96% | 7.48% | +533 bps | |
| Loan Growth (YoY) | 11.66% | 1.90% | -1.19% | -1.56% | 1.97% | 5.17% | 6.05% | 5.67% | +723 bps | |
| Share Growth (YoY) | 7.11% | 9.93% | 10.26% | 8.05% | 7.30% | 8.75% | 5.30% | 8.94% | +88 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.53% | 0.19% | 0.30% | 0.37% | 0.50% | 0.23% | 0.47% | +18 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 | 10.01% | 9.90% | 9.70% | 9.99% | 9.70% | 9.42% | 9.43% | 9.49% | -50 bps | |
| Net Worth / Assets | 10.01% | 9.90% | 9.70% | 9.99% | 9.70% | 9.42% | 9.43% | 9.49% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.01% | 84.02% | 79.11% | 80.42% | 82.68% | 81.25% | 79.67% | 78.01% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |