Needham, MA · Charter 9071
NCUA · 2 branches
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 | -0.36% | -0.24% | -0.25% | -0.10% | 0.18% | +55 bps | |
| Return on Equity | -3.15% | -2.07% | -2.22% | -0.85% | 1.62% | +478 bps | |
| Net Interest Margin | 1.86% | 1.95% | 1.99% | 2.20% | 2.26% | +41 bps | |
| Efficiency Ratio | 117.57% | 110.99% | 109.07% | 98.24% | 88.75% | -2,882 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.33% | -1.94% | -2.42% | -2.05% | 0.77% | +510 bps | |
| Loan Growth (YoY) | -3.39% | -1.30% | 0.42% | 0.56% | 2.62% | +601 bps | |
| Share Growth (YoY) | 1.67% | 5.27% | 2.11% | 0.81% | 0.89% | -78 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.36% | 0.53% | 0.40% | 0.36% | -13 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 | 11.47% | 11.54% | 11.40% | 11.32% | 11.36% | -11 bps | |
| Net Worth / Assets | 11.47% | 11.54% | 11.40% | 11.32% | 11.36% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 112.15% | 113.62% | 113.85% | 112.62% | 114.07% | +193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |