Springfield, MA · Charter 67965
NCUA · 2 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.39% | 2.62% | 4.50% | 2.76% | -9.89% | -949 bps | |
| Return on Equity | -1.38% | 9.05% | 15.07% | 9.16% | -47.26% | -4,588 bps | |
| Net Interest Margin | 7.94% | 6.91% | 6.77% | 6.96% | 7.30% | -64 bps | |
| Efficiency Ratio | 90.92% | 85.79% | 83.58% | 93.34% | 166.14% | +7,522 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.74% | -16.86% | -13.33% | -4.62% | -8.95% | +778 bps | |
| Loan Growth (YoY) | -13.36% | -17.63% | -6.42% | -2.18% | -5.39% | +797 bps | |
| Share Growth (YoY) | -21.39% | -20.91% | -18.46% | -8.14% | -6.75% | +1,465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.50% | 2.47% | 5.94% | 6.93% | 4.08% | +58 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.52% | 28.94% | 29.89% | 30.14% | 20.92% | -760 bps | |
| Net Worth / Assets | 28.52% | 28.94% | 29.89% | 30.14% | 20.92% | -760 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.52% | 42.31% | 44.11% | 45.62% | 44.15% | +63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |