Lawrence, MA · Charter 68693
NCUA · 27 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 | 0.39% | 0.33% | 0.27% | 0.32% | 0.37% | 0.39% | 0.52% | 0.55% | +24 bps | |
| Return on Equity | 3.90% | 3.25% | 2.69% | 3.07% | 3.51% | 3.76% | 5.05% | 5.24% | +217 bps | |
| Net Interest Margin | 3.16% | 3.09% | 2.95% | 3.02% | 3.06% | 3.05% | 3.11% | 3.15% | +13 bps | |
| Efficiency Ratio | 86.62% | 87.69% | 90.16% | 89.24% | 87.86% | 86.94% | 84.02% | 82.69% | -655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.88% | -2.42% | -1.82% | -0.12% | 0.08% | 0.09% | 7.05% | 7.21% | +733 bps | |
| Loan Growth (YoY) | 4.26% | 3.91% | 4.81% | 4.02% | 3.07% | 1.16% | 7.82% | 9.17% | +514 bps | |
| Share Growth (YoY) | -7.05% | -4.91% | -3.36% | -1.63% | 0.33% | 1.67% | 8.12% | 9.48% | +1,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.67% | 0.47% | 0.56% | 0.62% | 0.50% | 0.66% | 0.82% | +26 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 | 10.09% | 10.04% | 10.02% | 10.25% | 10.42% | 10.46% | 10.29% | 10.56% | +31 bps | |
| Net Worth / Assets | 10.09% | 10.04% | 10.02% | 10.25% | 10.42% | 10.46% | 10.29% | 10.56% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.15% | 84.67% | 83.69% | 85.20% | 86.45% | 84.24% | 83.46% | 84.96% | -25 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |