Arlington, MA · Charter 9805
NCUA · 1 branch
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 | 1.42% | 1.41% | 1.30% | 0.63% | 0.72% | -69 bps | |
| Return on Equity | 5.00% | 4.75% | 4.38% | 2.14% | 2.48% | -252 bps | |
| Net Interest Margin | 3.78% | 4.03% | 4.01% | 3.61% | 3.60% | -18 bps | |
| Efficiency Ratio | 75.12% | 73.28% | 68.99% | 76.60% | 73.81% | -131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.49% | -2.31% | -1.61% | -0.47% | 0.40% | +89 bps | |
| Loan Growth (YoY) | -7.78% | -12.98% | -16.77% | -18.75% | -16.60% | -881 bps | |
| Share Growth (YoY) | -3.00% | -5.67% | -4.09% | -1.82% | -0.77% | +222 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 1.07% | 1.49% | 1.38% | 1.59% | +43 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 | 28.30% | 29.61% | 29.76% | 29.23% | 29.10% | +80 bps | |
| Net Worth / Assets | 28.30% | 29.61% | 29.76% | 29.23% | 29.10% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 118.39% | 118.41% | 112.11% | 103.71% | 99.51% | -1,888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |