PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mass Bay

South Boston, MA · Charter 68137

NCUA · 4 branches

Q2 2026

$366.7MAssets
$304.9MLoans
$259.6MShares
$42.0MNet 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 0.58%, up 14 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.89% of loans (+18 bps YoY).
  • Capital: net worth / assets of 11.46%, up 41 bps from a year ago.
  • Funding: loans stand at 117.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.58%+14 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+16 bps YoY

Efficiency Ratio (quarter, annualized)

83.49%-172 bps YoY

Net Worth / Assets

11.46%+41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.53%0.59%0.50%0.58%+14 bps
Return on Equity3.97%4.79%5.21%4.45%5.09%+112 bps
Net Interest Margin2.79%2.85%2.87%2.89%2.95%+16 bps
Efficiency Ratio85.21%82.77%80.99%85.01%83.49%-172 bps
Growth
Asset Growth (YoY)0.93%0.98%2.18%1.50%2.15%+122 bps
Loan Growth (YoY)1.65%4.00%3.97%3.08%1.66%+1 bps
Share Growth (YoY)0.58%-0.12%2.15%2.10%3.41%+283 bps
Asset Quality
Delinquent Loans / Loans0.71%0.74%0.78%0.64%0.89%+18 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 Capital11.05%11.15%11.30%11.26%11.46%+41 bps
Net Worth / Assets11.05%11.15%11.30%11.26%11.46%+41 bps
Liquidity & Funding
Loans / Shares119.47%123.01%121.36%117.40%117.46%-201 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps