Fall River, MA · Charter 8616
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 | 0.57% | 0.73% | 0.86% | 0.98% | 1.08% | 1.18% | 0.83% | 1.00% | +2 bps | |
| Return on Equity | 2.87% | 3.67% | 4.38% | 4.98% | 5.49% | 5.86% | 4.23% | 5.08% | +10 bps | |
| Net Interest Margin | 2.16% | 2.18% | 2.35% | 2.57% | 2.64% | 2.73% | 2.77% | 2.78% | +21 bps | |
| Efficiency Ratio | 75.10% | 68.39% | 65.23% | 63.72% | 60.86% | 58.72% | 67.30% | 63.91% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | 3.71% | 3.11% | 3.78% | 6.13% | 4.60% | 6.41% | 6.60% | +281 bps | |
| Loan Growth (YoY) | 11.37% | 5.65% | 8.22% | 9.63% | 11.67% | 12.07% | 13.29% | 10.46% | +83 bps | |
| Share Growth (YoY) | 4.48% | 3.72% | 2.97% | 3.60% | 6.29% | 4.30% | 6.44% | 6.62% | +302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 2.11% | 2.00% | 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 | 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 | 19.84% | 19.92% | 19.73% | 19.70% | 19.73% | 20.16% | 19.69% | 19.65% | -6 bps | |
| Net Worth / Assets | 19.84% | 19.92% | 19.73% | 19.70% | 19.73% | 20.16% | 19.69% | 19.65% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.00% | 36.42% | 37.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |