Springfield, MA · Charter 67902
NCUA · 2 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 | 1.13% | 1.05% | 0.92% | 1.10% | 1.19% | 1.34% | 1.91% | 1.79% | +68 bps | |
| Return on Equity | 6.62% | 6.09% | 5.42% | 6.25% | 6.46% | 7.00% | 9.78% | 9.06% | +281 bps | |
| Net Interest Margin | 2.06% | 2.11% | 2.42% | 2.58% | 2.76% | 2.93% | 3.32% | 3.27% | +70 bps | |
| Efficiency Ratio | 58.48% | 62.23% | 67.28% | 64.17% | 63.97% | 61.91% | 52.58% | 53.94% | -1,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.13% | 0.48% | 2.06% | 1.14% | -1.70% | -2.83% | -5.48% | -2.36% | -350 bps | |
| Loan Growth (YoY) | 0.89% | 0.52% | 0.56% | 0.27% | 1.22% | 2.46% | 3.44% | 6.26% | +599 bps | |
| Share Growth (YoY) | -1.18% | -0.51% | -0.11% | -0.62% | -3.43% | -5.27% | -7.46% | -4.44% | -381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.94% | 0.59% | 0.53% | 0.41% | 0.56% | 0.01% | 0.45% | -8 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 | 17.03% | 17.29% | 16.97% | 17.66% | 18.42% | 19.13% | 19.52% | 19.74% | +207 bps | |
| Net Worth / Assets | 17.03% | 17.29% | 16.97% | 17.66% | 18.42% | 19.13% | 19.52% | 19.74% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.15% | 55.32% | 53.87% | 55.37% | 57.81% | 59.83% | 60.22% | 61.56% | +620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |