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Letter portraitLegal landscapeQuarterYTD

Springfield Street Railway Emp.

Springfield, MA · Charter 67965

NCUA · 2 branches

Q4 2025

$1.1MAssets
$349KLoans
$791KShares
$223KNet Worth

Executive Summary

  • Earnings: ROA of -9.89%, down 949 bps year over year; NIM at 7.30%.
  • Asset quality: problem loans at 4.08% of loans (+58 bps YoY).
  • Capital: net worth / assets of 20.92%, down 760 bps from a year ago.
  • Funding: loans stand at 44.15% of shares as of Q4 2025.

Return on Assets (quarter, annualized)

-9.89%-949 bps YoY

Net Interest Margin (quarter, annualized)

7.30%-64 bps YoY

Efficiency Ratio (quarter, annualized)

166.14%+7,522 bps YoY

Net Worth / Assets

20.92%-760 bps YoY

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets5.42%2.24%0.38%-0.39%2.62%4.50%2.76%-9.89%-949 bps
Return on Equity21.17%8.70%1.38%-1.38%9.05%15.07%9.16%-47.26%-4,588 bps
Net Interest Margin6.83%6.87%7.73%7.94%6.91%6.77%6.96%7.30%-64 bps
Efficiency Ratio76.77%86.07%92.78%90.92%85.79%83.58%93.34%166.14%+7,522 bps
Growth
Asset Growth (YoY)0.90%0.06%-11.11%-16.74%-16.86%-13.33%-4.62%-8.95%+778 bps
Loan Growth (YoY)-7.91%-14.71%-16.31%-13.36%-17.63%-6.42%-2.18%-5.39%+797 bps
Share Growth (YoY)2.17%-0.14%-15.06%-21.39%-20.91%-18.46%-8.14%-6.75%+1,465 bps
Asset Quality
Delinquent Loans / Loans4.87%7.95%3.52%3.50%2.47%5.94%6.93%4.08%+58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.59%25.81%27.89%28.52%28.94%29.89%30.14%20.92%-760 bps
Net Worth / Assets25.59%25.81%27.89%28.52%28.94%29.89%30.14%20.92%-760 bps
Liquidity & Funding
Loans / Shares40.63%38.44%42.85%43.52%42.31%44.11%45.62%44.15%+63 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps