Somerville, MA · Charter 943
NCUA · 1 branch
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 | 0.41% | 0.43% | 0.70% | 0.74% | 0.77% | 0.87% | 0.95% | 1.03% | +29 bps | |
| Return on Equity | 2.30% | 2.46% | 3.96% | 4.13% | 4.33% | 4.86% | 5.04% | 5.27% | +113 bps | |
| Net Interest Margin | 1.87% | 1.96% | 2.30% | 2.46% | 2.38% | 2.48% | 2.62% | 2.78% | +33 bps | |
| Efficiency Ratio | 78.37% | 77.91% | 69.69% | 70.03% | 67.67% | 64.91% | 63.84% | 63.00% | -704 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.36% | -1.94% | 1.22% | 2.26% | 3.35% | 3.70% | -1.36% | -3.64% | -590 bps | |
| Loan Growth (YoY) | 6.81% | 0.19% | -4.31% | -3.28% | -0.93% | 3.00% | 8.48% | 6.52% | +980 bps | |
| Share Growth (YoY) | -6.78% | -2.85% | 0.93% | 2.05% | 3.19% | 3.41% | -2.80% | -5.65% | -770 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.85% | 0.84% | 0.88% | 0.89% | 0.86% | 0.81% | 0.81% | 0.83% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.65% | 17.64% | 17.59% | 17.82% | 17.79% | 17.88% | 18.80% | 19.56% | +173 bps | |
| Net Worth / Assets | 17.65% | 17.64% | 17.59% | 17.82% | 17.79% | 17.88% | 18.80% | 19.56% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.38% | 47.82% | 44.73% | 44.67% | 45.49% | 47.63% | 49.92% | 50.43% | +576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |