PackageTrendsPeer
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Bangor

Bangor, ME · Charter 10939

NCUA · 4 branches

Q2 2026

$293.2MAssets
$177.2MLoans
$267.2MShares
$25.5MNet 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 1.03%, up 27 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.57% of loans (+28 bps YoY).
  • Capital: net worth / assets of 8.70%, up 51 bps from a year ago.
  • Funding: loans stand at 66.31% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+27 bps YoY

Efficiency Ratio (YTD, annualized)

68.91%-486 bps YoY

Net Worth / Assets

8.70%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.78%0.83%0.84%1.03%+27 bps
Return on Equity9.23%9.34%9.79%9.96%11.80%+257 bps
Net Interest Margin2.90%2.92%2.93%3.02%3.17%+27 bps
Efficiency Ratio73.77%73.30%72.71%71.68%68.91%-486 bps
Growth
Asset Growth (YoY)10.90%7.60%4.77%6.27%5.63%-527 bps
Loan Growth (YoY)3.66%2.86%-1.03%-1.09%-0.03%-368 bps
Share Growth (YoY)11.00%7.45%4.29%5.78%5.05%-595 bps
Asset Quality
Delinquent Loans / Loans0.28%0.34%0.41%0.31%0.57%+28 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 Capital8.19%8.34%8.46%8.47%8.70%+51 bps
Net Worth / Assets8.19%8.34%8.46%8.47%8.70%+51 bps
Liquidity & Funding
Loans / Shares69.68%69.68%67.23%65.44%66.31%-337 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps