Presque Isle, ME · Charter 10794
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.61% | 0.62% | 0.47% | 0.50% | 0 bps | |
| Return on Equity | 4.55% | 5.50% | 5.55% | 4.31% | 4.68% | +13 bps | |
| Net Interest Margin | 3.36% | 3.43% | 3.40% | 3.32% | 3.34% | -2 bps | |
| Efficiency Ratio | 85.35% | 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 / Loans | 0.46% | 0.65% | 0.60% | 0.49% | 0.58% | +13 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 | 11.00% | 11.15% | 11.09% | 10.81% | 10.73% | -27 bps | |
| Net Worth / Assets | 11.00% | 11.15% | 11.09% | 10.81% | 10.73% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.09% | 86.16% | 83.59% | 79.50% | 83.76% | -133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |