Norfolk, MA · Charter 8828
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.64% | -0.54% | 0.41% | 0.68% | 0.88% | 1.16% | 1.11% | +70 bps | |
| Return on Equity | 10.92% | 12.74% | -4.36% | 3.36% | 5.83% | 7.46% | 9.47% | 8.73% | +537 bps | |
| Net Interest Margin | 4.26% | 4.42% | 2.41% | 3.12% | 3.18% | 3.38% | 3.83% | 3.86% | +74 bps | |
| Efficiency Ratio | 67.65% | 63.91% | 109.07% | 84.17% | 77.11% | 73.34% | 64.95% | 68.33% | -1,584 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 4.92% | 2.37% | 8.47% | 18.15% | 17.57% | 13.93% | 6.09% | -238 bps | |
| Loan Growth (YoY) | -1.73% | -5.46% | -7.43% | -9.95% | -5.23% | -4.72% | -3.87% | -3.54% | +641 bps | |
| Share Growth (YoY) | 1.94% | 4.44% | 1.67% | 10.16% | 20.84% | 18.91% | 14.16% | 5.06% | -510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.37% | 0.43% | 0.53% | 0.76% | 0.48% | 0.53% | 0.48% | -5 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 | 12.58% | 12.84% | 12.44% | 12.11% | 11.70% | 11.79% | 12.20% | 12.67% | +56 bps | |
| Net Worth / Assets | 12.58% | 12.84% | 12.44% | 12.11% | 11.70% | 11.79% | 12.20% | 12.67% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.50% | 85.93% | 81.21% | 74.59% | 71.76% | 68.86% | 68.38% | 68.48% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |