Needham, MA · Charter 9071
NCUA · 2 branches
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 | -0.28% | -0.42% | -0.41% | -0.36% | -0.24% | -0.25% | -0.10% | 0.18% | +55 bps | |
| Return on Equity | -2.39% | -3.70% | -3.61% | -3.15% | -2.07% | -2.22% | -0.85% | 1.62% | +478 bps | |
| Net Interest Margin | 1.86% | 1.82% | 1.77% | 1.86% | 1.95% | 1.99% | 2.20% | 2.26% | +41 bps | |
| Efficiency Ratio | 107.82% | 109.83% | 120.88% | 117.57% | 110.99% | 109.07% | 98.24% | 88.75% | -2,882 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.94% | -3.65% | -4.02% | -4.33% | -1.94% | -2.42% | -2.05% | 0.77% | +510 bps | |
| Loan Growth (YoY) | -3.00% | -4.19% | -3.48% | -3.39% | -1.30% | 0.42% | 0.56% | 2.62% | +601 bps | |
| Share Growth (YoY) | -6.35% | -2.00% | -1.58% | 1.67% | 5.27% | 2.11% | 0.81% | 0.89% | -78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.54% | 0.56% | 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 | 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 | 11.76% | 11.41% | 11.30% | 11.47% | 11.54% | 11.40% | 11.32% | 11.36% | -11 bps | |
| Net Worth / Assets | 11.76% | 11.41% | 11.30% | 11.47% | 11.54% | 11.40% | 11.32% | 11.36% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 121.19% | 115.77% | 112.91% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |