Arlington, MA · Charter 9805
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 | 1.29% | 1.58% | 1.96% | 1.42% | 1.41% | 1.30% | 0.63% | 0.72% | -69 bps | |
| Return on Equity | 4.72% | 5.65% | 6.95% | 5.00% | 4.75% | 4.38% | 2.14% | 2.48% | -252 bps | |
| Net Interest Margin | 3.84% | 3.93% | 3.93% | 3.78% | 4.03% | 4.01% | 3.61% | 3.60% | -18 bps | |
| Efficiency Ratio | 65.73% | 66.18% | 75.91% | 75.12% | 73.28% | 68.99% | 76.60% | 73.81% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -3.16% | -4.12% | -0.49% | -2.31% | -1.61% | -0.47% | 0.40% | +89 bps | |
| Loan Growth (YoY) | 12.83% | 2.54% | -4.33% | -7.78% | -12.98% | -16.77% | -18.75% | -16.60% | -881 bps | |
| Share Growth (YoY) | -7.56% | -6.47% | -7.99% | -3.00% | -5.67% | -4.09% | -1.82% | -0.77% | +222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.17% | 0.82% | 0.85% | 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 | 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 | 27.29% | 28.00% | 28.16% | 28.30% | 29.61% | 29.76% | 29.23% | 29.10% | +80 bps | |
| Net Worth / Assets | 27.29% | 28.00% | 28.16% | 28.30% | 29.61% | 29.76% | 29.23% | 29.10% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 128.36% | 129.19% | 125.32% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |