Somerville, MA · Charter 68046
NCUA · 3 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.17% | 0.19% | 0.35% | 0.36% | +19 bps | |
| Return on Equity | 2.08% | 2.12% | 2.24% | 4.05% | 4.21% | +213 bps | |
| Net Interest Margin | 3.12% | 3.18% | 3.35% | 3.56% | 3.60% | +49 bps | |
| Efficiency Ratio | 94.50% | 94.45% | 93.94% | 90.30% | 89.87% | -463 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.72% | -0.25% | 0.65% | 1.07% | -1.47% | -219 bps | |
| Loan Growth (YoY) | 4.16% | -0.55% | 2.84% | 4.63% | 0.11% | -406 bps | |
| Share Growth (YoY) | -5.72% | -2.29% | -1.59% | -0.75% | -0.15% | +557 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.53% | 0.37% | 0.94% | 0.39% | -15 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 | 8.17% | 8.25% | 8.59% | 8.56% | 8.57% | +39 bps | |
| Net Worth / Assets | 8.17% | 8.25% | 8.59% | 8.56% | 8.57% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.14% | 71.47% | 72.09% | 72.13% | 74.33% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |