Hanscom AFB, MA · Charter 9095
NCUA · 17 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.13% | 0.21% | 0.33% | 0.37% | 0.10% | 0.33% | 0.33% | 0 bps | |
| Return on Equity | 1.87% | 1.07% | 1.79% | 2.83% | 3.08% | 1.02% | 3.16% | 3.19% | +36 bps | |
| Net Interest Margin | 3.27% | 3.28% | 3.14% | 3.16% | 3.18% | 2.66% | 3.21% | 3.26% | +10 bps | |
| Efficiency Ratio | 75.29% | 76.31% | 83.52% | 83.11% | 82.86% | 84.37% | 88.94% | 88.77% | +566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.68% | -0.83% | -0.55% | 0.73% | 1.61% | 21.91% | 19.07% | 18.39% | +1,766 bps | |
| Loan Growth (YoY) | -3.14% | -1.68% | -2.74% | -4.28% | -5.02% | 7.12% | 10.47% | 14.05% | +1,833 bps | |
| Share Growth (YoY) | -0.49% | -0.79% | -0.91% | 1.08% | 2.93% | 24.80% | 20.94% | 20.75% | +1,967 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 1.56% | 0.48% | 0.63% | 0.56% | 0.74% | 0.60% | 0.51% | -12 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 | 11.83% | 11.78% | 11.66% | 11.80% | 11.88% | 9.95% | 10.35% | 10.47% | -134 bps | |
| Net Worth / Assets | 11.83% | 11.78% | 11.66% | 11.80% | 11.88% | 9.95% | 10.35% | 10.47% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.84% | 98.30% | 93.62% | 92.25% | 91.20% | 84.38% | 85.51% | 87.13% | -512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |