North Grafton, MA · Charter 68057
NCUA · 2 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 | 0.00% | 0.05% | 0.02% | 0.22% | 0.23% | 0.23% | 0.19% | 0.23% | +2 bps | |
| Return on Equity | 0.00% | 0.54% | 0.26% | 2.20% | 2.31% | 2.32% | 1.85% | 2.32% | +12 bps | |
| Net Interest Margin | 2.51% | 2.60% | 2.67% | 2.77% | 2.78% | 2.86% | 2.97% | 3.07% | +30 bps | |
| Efficiency Ratio | 96.94% | 93.76% | 97.35% | 92.33% | 92.04% | 92.32% | 94.49% | 92.60% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | -1.29% | -2.18% | -4.43% | -3.12% | -3.02% | -3.00% | -0.80% | +363 bps | |
| Loan Growth (YoY) | 8.00% | 0.40% | -3.38% | -5.00% | -3.94% | -5.04% | -5.81% | -4.14% | +86 bps | |
| Share Growth (YoY) | -2.67% | -2.72% | -2.96% | 0.74% | 3.63% | 2.28% | 3.87% | 2.25% | +151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 1.19% | 0.87% | 1.69% | 0.66% | 1.13% | 0.71% | 0.69% | -100 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 | 9.31% | 9.42% | 9.50% | 9.83% | 9.80% | 9.91% | 10.04% | 10.12% | +29 bps | |
| Net Worth / Assets | 9.31% | 9.42% | 9.50% | 9.83% | 9.80% | 9.91% | 10.04% | 10.12% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.66% | 105.94% | 101.27% | 98.49% | 97.94% | 98.36% | 91.84% | 92.34% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |