Westport, MA · Charter 7652
NCUA · 1 branch
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 | 1.38% | 1.40% | 0.87% | 0.98% | 1.00% | 1.04% | 0.90% | 1.22% | +24 bps | |
| Return on Equity | 15.15% | 14.52% | 9.34% | 10.72% | 10.88% | 11.02% | 9.44% | 12.32% | +159 bps | |
| Net Interest Margin | 3.64% | 3.79% | 3.53% | 3.41% | 3.39% | 3.45% | 3.48% | 3.62% | +21 bps | |
| Efficiency Ratio | 65.79% | 66.10% | 77.92% | 73.39% | 72.03% | 71.26% | 75.71% | 69.33% | -406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | 0.37% | 1.94% | 7.55% | 11.71% | 13.91% | 9.70% | 4.18% | -338 bps | |
| Loan Growth (YoY) | -2.84% | -2.12% | -0.68% | 2.61% | 14.02% | 17.89% | 19.28% | 18.85% | +1,624 bps | |
| Share Growth (YoY) | -0.96% | -1.01% | 0.93% | 7.10% | 11.60% | 14.07% | 9.42% | 3.25% | -384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.67% | 0.62% | 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 | 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 | 9.09% | 9.62% | 9.32% | 9.15% | 9.17% | 9.47% | 9.53% | 9.94% | +79 bps | |
| Net Worth / Assets | 9.09% | 9.62% | 9.32% | 9.15% | 9.17% | 9.47% | 9.53% | 9.94% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.18% | 51.90% | 48.73% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |