Fall River, MA · Charter 8616
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% | 1.08% | 1.18% | 0.83% | 1.00% | +2 bps | |
| Return on Equity | 4.98% | 5.49% | 5.86% | 4.23% | 5.08% | +10 bps | |
| Net Interest Margin | 2.57% | 2.64% | 2.73% | 2.77% | 2.78% | +21 bps | |
| Efficiency Ratio | 63.72% | 60.86% | 58.72% | 67.30% | 63.91% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | 6.13% | 4.60% | 6.41% | 6.60% | +281 bps | |
| Loan Growth (YoY) | 9.63% | 11.67% | 12.07% | 13.29% | 10.46% | +83 bps | |
| Share Growth (YoY) | 3.60% | 6.29% | 4.30% | 6.44% | 6.62% | +302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.36% | 3.52% | 2.16% | 2.99% | 1.91% | -45 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 | 19.70% | 19.73% | 20.16% | 19.69% | 19.65% | -6 bps | |
| Net Worth / Assets | 19.70% | 19.73% | 20.16% | 19.69% | 19.65% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.60% | 37.82% | 39.13% | 39.56% | 37.92% | +132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |