PackageTrendsPeer
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Norfolk Community

Norfolk, MA · Charter 8828

NCUA · 1 branch

Q2 2026

$33.0MAssets
$18.8MLoans
$27.5MShares
$4.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.11%, up 70 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.48% of loans (-5 bps YoY).
  • Capital: net worth / assets of 12.67%, up 56 bps from a year ago.
  • Funding: loans stand at 68.48% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.11%+70 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+74 bps YoY

Efficiency Ratio (YTD, annualized)

68.33%-1,584 bps YoY

Net Worth / Assets

12.67%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.64%-0.54%0.41%0.68%0.88%1.16%1.11%+70 bps
Return on Equity10.92%12.74%-4.36%3.36%5.83%7.46%9.47%8.73%+537 bps
Net Interest Margin4.26%4.42%2.41%3.12%3.18%3.38%3.83%3.86%+74 bps
Efficiency Ratio67.65%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 / Loans0.74%0.37%0.43%0.53%0.76%0.48%0.53%0.48%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.58%12.84%12.44%12.11%11.70%11.79%12.20%12.67%+56 bps
Net Worth / Assets12.58%12.84%12.44%12.11%11.70%11.79%12.20%12.67%+56 bps
Liquidity & Funding
Loans / Shares91.50%85.93%81.21%74.59%71.76%68.86%68.38%68.48%-611 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps