PackageTrendsPeer
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Homefield

North Grafton, MA · Charter 68057

NCUA · 2 branches

Q2 2026

$170.4MAssets
$134.6MLoans
$145.8MShares
$17.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, up 2 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.69% of loans (-100 bps YoY).
  • Capital: net worth / assets of 10.12%, up 29 bps from a year ago.
  • Funding: loans stand at 92.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+30 bps YoY

Efficiency Ratio (YTD, annualized)

92.60%+27 bps YoY

Net Worth / Assets

10.12%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.23%0.23%0.19%0.23%+2 bps
Return on Equity2.20%2.31%2.32%1.85%2.32%+12 bps
Net Interest Margin2.77%2.78%2.86%2.97%3.07%+30 bps
Efficiency Ratio92.33%92.04%92.32%94.49%92.60%+27 bps
Growth
Asset Growth (YoY)-4.43%-3.12%-3.02%-3.00%-0.80%+363 bps
Loan Growth (YoY)-5.00%-3.94%-5.04%-5.81%-4.14%+86 bps
Share Growth (YoY)0.74%3.63%2.28%3.87%2.25%+151 bps
Asset Quality
Delinquent Loans / Loans1.69%0.66%1.13%0.71%0.69%-100 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.83%9.80%9.91%10.04%10.12%+29 bps
Net Worth / Assets9.83%9.80%9.91%10.04%10.12%+29 bps
Liquidity & Funding
Loans / Shares98.49%97.94%98.36%91.84%92.34%-615 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps