Somerville, MA · Charter 68046
NCUA · 3 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 | 0.06% | 0.05% | 0.08% | 0.17% | 0.17% | 0.19% | 0.35% | 0.36% | +19 bps | |
| Return on Equity | 0.73% | 0.58% | 0.98% | 2.08% | 2.12% | 2.24% | 4.05% | 4.21% | +213 bps | |
| Net Interest Margin | 2.92% | 3.05% | 3.15% | 3.12% | 3.18% | 3.35% | 3.56% | 3.60% | +49 bps | |
| Efficiency Ratio | 99.30% | 99.58% | 97.18% | 94.50% | 94.45% | 93.94% | 90.30% | 89.87% | -463 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.82% | 0.57% | -1.31% | 0.72% | -0.25% | 0.65% | 1.07% | -1.47% | -219 bps | |
| Loan Growth (YoY) | 6.23% | -2.19% | -3.08% | 4.16% | -0.55% | 2.84% | 4.63% | 0.11% | -406 bps | |
| Share Growth (YoY) | -1.86% | -3.85% | -2.58% | -5.72% | -2.29% | -1.59% | -0.75% | -0.15% | +557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.05% | 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 | 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 | 8.11% | 8.47% | 8.41% | 8.17% | 8.25% | 8.59% | 8.56% | 8.57% | +39 bps | |
| Net Worth / Assets | 8.11% | 8.47% | 8.41% | 8.17% | 8.25% | 8.59% | 8.56% | 8.57% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.22% | 68.99% | 68.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |