Chicopee, MA · Charter 67951
NCUA · 2 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 | 0.12% | 0.12% | 0.10% | 0.13% | 0.15% | 0.18% | 0.25% | 0.25% | +12 bps | |
| Return on Equity | 1.40% | 1.43% | 1.11% | 1.48% | 1.76% | 2.01% | 2.82% | 2.75% | +127 bps | |
| Net Interest Margin | 1.57% | 1.61% | 1.84% | 1.94% | 1.91% | 1.99% | 2.29% | 2.40% | +46 bps | |
| Efficiency Ratio | 92.68% | 92.99% | 93.97% | 92.93% | 92.75% | 92.50% | 89.69% | 90.10% | -283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | -3.17% | -5.13% | -4.39% | -2.69% | -1.89% | -2.46% | -1.73% | +266 bps | |
| Loan Growth (YoY) | -2.12% | -1.97% | -2.29% | 0.39% | 1.98% | 1.08% | 1.96% | -0.38% | -77 bps | |
| Share Growth (YoY) | 3.79% | -5.28% | -4.44% | -6.67% | -8.63% | -2.16% | -3.83% | -0.21% | +646 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.58% | 0.34% | 0.80% | 1.07% | 1.49% | 0.81% | 1.14% | +34 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 | 8.34% | 8.48% | 8.62% | 8.85% | 8.74% | 8.88% | 8.99% | 9.18% | +33 bps | |
| Net Worth / Assets | 8.34% | 8.48% | 8.62% | 8.85% | 8.74% | 8.88% | 8.99% | 9.18% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.04% | 94.71% | 90.96% | 95.00% | 98.26% | 97.85% | 96.44% | 94.85% | -16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |