South Boston, MA · Charter 68137
NCUA · 4 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 | 0.37% | 0.48% | 0.36% | 0.44% | 0.53% | 0.59% | 0.50% | 0.58% | +14 bps | |
| Return on Equity | 3.47% | 4.39% | 3.33% | 3.97% | 4.79% | 5.21% | 4.45% | 5.09% | +112 bps | |
| Net Interest Margin | 2.72% | 2.76% | 2.68% | 2.79% | 2.85% | 2.87% | 2.89% | 2.95% | +16 bps | |
| Efficiency Ratio | 82.96% | 79.91% | 87.24% | 85.21% | 82.77% | 80.99% | 85.01% | 83.49% | -172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.38% | 1.32% | 1.45% | 0.93% | 0.98% | 2.18% | 1.50% | 2.15% | +122 bps | |
| Loan Growth (YoY) | 4.25% | 0.50% | 1.15% | 1.65% | 4.00% | 3.97% | 3.08% | 1.66% | +1 bps | |
| Share Growth (YoY) | -0.56% | 2.18% | 1.90% | 0.58% | -0.12% | 2.15% | 2.10% | 3.41% | +283 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.90% | 0.30% | 0.71% | 0.74% | 0.78% | 0.64% | 0.89% | +18 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 | 10.67% | 10.96% | 10.82% | 11.05% | 11.15% | 11.30% | 11.26% | 11.46% | +41 bps | |
| Net Worth / Assets | 10.67% | 10.96% | 10.82% | 11.05% | 11.15% | 11.30% | 11.26% | 11.46% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 118.14% | 119.23% | 116.28% | 119.47% | 123.01% | 121.36% | 117.40% | 117.46% | -201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |