PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Direct

Needham, MA · Charter 9071

NCUA · 2 branches

Q2 2026

$794.7MAssets
$709.6MLoans
$622.0MShares
$90.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.18%, up 55 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 0.36% of loans (-13 bps YoY).
  • Capital: net worth / assets of 11.36%, down 11 bps from a year ago.
  • Funding: loans stand at 114.07% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.18%+55 bps YoY

Net Interest Margin (quarter, annualized)

2.26%+41 bps YoY

Efficiency Ratio (quarter, annualized)

88.75%-2,882 bps YoY

Net Worth / Assets

11.36%-11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin1.86%1.95%1.99%2.20%2.26%+41 bps
Efficiency Ratio117.57%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 / Loans0.49%0.36%0.53%0.40%0.36%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.47%11.54%11.40%11.32%11.36%-11 bps
Net Worth / Assets11.47%11.54%11.40%11.32%11.36%-11 bps
Liquidity & Funding
Loans / Shares112.15%113.62%113.85%112.62%114.07%+193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps