Westport, MA · Charter 7652
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.00% | 1.04% | 0.90% | 1.22% | +24 bps | |
| Return on Equity | 10.72% | 10.88% | 11.02% | 9.44% | 12.32% | +159 bps | |
| Net Interest Margin | 3.41% | 3.39% | 3.45% | 3.48% | 3.62% | +21 bps | |
| Efficiency Ratio | 73.39% | 72.03% | 71.26% | 75.71% | 69.33% | -406 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.55% | 11.71% | 13.91% | 9.70% | 4.18% | -338 bps | |
| Loan Growth (YoY) | 2.61% | 14.02% | 17.89% | 19.28% | 18.85% | +1,624 bps | |
| Share Growth (YoY) | 7.10% | 11.60% | 14.07% | 9.42% | 3.25% | -384 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 0.52% | 1.37% | 1.19% | 0.37% | -74 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.15% | 9.17% | 9.47% | 9.53% | 9.94% | +79 bps | |
| Net Worth / Assets | 9.15% | 9.17% | 9.47% | 9.53% | 9.94% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.61% | 51.26% | 53.64% | 53.12% | 54.80% | +719 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |