Lynn, MA · Charter 67959
NCUA · 6 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 | 0.50% | 0.45% | 0.28% | 0.37% | 0.43% | 0.39% | 0.29% | 0.29% | -8 bps | |
| Return on Equity | 5.45% | 4.87% | 3.15% | 4.10% | 4.52% | 4.08% | 2.98% | 2.96% | -114 bps | |
| Net Interest Margin | 2.74% | 2.70% | 2.59% | 2.70% | 2.84% | 2.83% | 2.80% | 2.89% | +18 bps | |
| Efficiency Ratio | 85.31% | 86.74% | 90.83% | 87.79% | 85.85% | 86.73% | 94.23% | 89.98% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.94% | 3.14% | 4.71% | 3.45% | 0.57% | 0.00% | -2.94% | -4.26% | -771 bps | |
| Loan Growth (YoY) | 3.31% | 2.87% | 4.12% | 3.32% | 2.20% | 0.24% | -1.32% | 0.80% | -253 bps | |
| Share Growth (YoY) | 2.34% | 3.83% | 6.52% | 5.74% | 2.26% | 2.10% | -1.23% | -2.65% | -839 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.51% | 0.29% | 0.37% | 0.38% | 0.54% | 0.22% | 0.54% | +17 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 | 9.19% | 9.17% | 9.00% | 9.11% | 9.51% | 9.54% | 9.64% | 9.84% | +72 bps | |
| Net Worth / Assets | 9.19% | 9.17% | 9.00% | 9.11% | 9.51% | 9.54% | 9.64% | 9.84% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.20% | 77.94% | 76.00% | 76.06% | 78.15% | 76.52% | 75.93% | 78.75% | +269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |