PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The County

Presque Isle, ME · Charter 10794

NCUA · 9 branches

Q2 2026

$529.8MAssets
$393.1MLoans
$469.3MShares
$56.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.50%, unchanged from a year ago; NIM at 3.34%.
  • Asset quality: problem loans at 0.58% of loans (+13 bps YoY).
  • Capital: net worth / assets of 10.73%, down 27 bps from a year ago.
  • Funding: loans stand at 83.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.50%0 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-2 bps YoY

Efficiency Ratio (YTD, annualized)

83.22%-213 bps YoY

Net Worth / Assets

10.73%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.61%0.62%0.47%0.50%0 bps
Return on Equity4.55%5.50%5.55%4.31%4.68%+13 bps
Net Interest Margin3.36%3.43%3.40%3.32%3.34%-2 bps
Efficiency Ratio85.35%82.80%82.49%85.13%83.22%-213 bps
Growth
Asset Growth (YoY)4.25%4.30%5.79%6.58%8.41%+416 bps
Loan Growth (YoY)2.30%2.45%2.17%2.10%7.03%+473 bps
Share Growth (YoY)4.30%3.99%6.03%6.57%8.73%+442 bps
Asset Quality
Delinquent Loans / Loans0.46%0.65%0.60%0.49%0.58%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.00%11.15%11.09%10.81%10.73%-27 bps
Net Worth / Assets11.00%11.15%11.09%10.81%10.73%-27 bps
Liquidity & Funding
Loans / Shares85.09%86.16%83.59%79.50%83.76%-133 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps