PackageTrendsPeer
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St. Jean's

Lynn, MA · Charter 67959

NCUA · 6 branches

Q2 2026

$372.5MAssets
$256.8MLoans
$326.0MShares
$36.6MNet 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 0.29%, down 8 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.54% of loans (+17 bps YoY).
  • Capital: net worth / assets of 9.84%, up 72 bps from a year ago.
  • Funding: loans stand at 78.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+18 bps YoY

Efficiency Ratio (YTD, annualized)

89.98%+219 bps YoY

Net Worth / Assets

9.84%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.43%0.39%0.29%0.29%-8 bps
Return on Equity4.10%4.52%4.08%2.98%2.96%-114 bps
Net Interest Margin2.70%2.84%2.83%2.80%2.89%+18 bps
Efficiency Ratio87.79%85.85%86.73%94.23%89.98%+219 bps
Growth
Asset Growth (YoY)3.45%0.57%0.00%-2.94%-4.26%-771 bps
Loan Growth (YoY)3.32%2.20%0.24%-1.32%0.80%-253 bps
Share Growth (YoY)5.74%2.26%2.10%-1.23%-2.65%-839 bps
Asset Quality
Delinquent Loans / Loans0.37%0.38%0.54%0.22%0.54%+17 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 Capital9.11%9.51%9.54%9.64%9.84%+72 bps
Net Worth / Assets9.11%9.51%9.54%9.64%9.84%+72 bps
Liquidity & Funding
Loans / Shares76.06%78.15%76.52%75.93%78.75%+269 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps