Boston, MA · Charter 68349
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 | -0.43% | -0.25% | 0.23% | 0.35% | 0.36% | 0.29% | 0.16% | 0.14% | -22 bps | |
| Return on Equity | -4.21% | -2.41% | 2.26% | 3.43% | 3.44% | 2.76% | 1.48% | 1.29% | -214 bps | |
| Net Interest Margin | 3.32% | 3.26% | 3.11% | 3.10% | 3.17% | 3.17% | 3.08% | 3.13% | +3 bps | |
| Efficiency Ratio | 91.24% | 91.32% | 90.37% | 93.96% | 96.44% | 98.17% | 105.54% | 101.30% | +734 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -0.26% | 0.74% | 2.81% | 0.71% | 0.41% | -2.80% | -2.77% | -558 bps | |
| Loan Growth (YoY) | -2.71% | -6.83% | -7.36% | -7.20% | -4.26% | -4.89% | -2.51% | -0.78% | +643 bps | |
| Share Growth (YoY) | 0.08% | 1.04% | 1.78% | 4.84% | 5.77% | 4.45% | 0.93% | -0.14% | -497 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 2.20% | 1.42% | 2.07% | 1.90% | 1.67% | 0.83% | 1.43% | -65 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 | 10.23% | 10.24% | 10.08% | 10.29% | 10.36% | 10.36% | 10.51% | 10.63% | +34 bps | |
| Net Worth / Assets | 10.23% | 10.24% | 10.08% | 10.29% | 10.36% | 10.36% | 10.51% | 10.63% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.25% | 85.90% | 81.58% | 80.26% | 78.98% | 78.22% | 78.80% | 79.75% | -52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |