Waterville, ME · Charter 11253
NCUA · 4 branches
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 | 0.31% | 0.49% | 0.54% | 0.33% | 0.54% | +22 bps | |
| Return on Equity | 3.85% | 6.12% | 6.90% | 4.24% | 6.77% | +292 bps | |
| Net Interest Margin | 4.03% | 4.00% | 3.92% | 3.89% | 3.97% | -6 bps | |
| Efficiency Ratio | 87.63% | 84.73% | 83.28% | 87.96% | 84.82% | -281 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.17% | 9.24% | 13.50% | 13.55% | 10.94% | +676 bps | |
| Loan Growth (YoY) | 4.71% | 10.02% | 12.87% | 15.24% | 12.17% | +747 bps | |
| Share Growth (YoY) | 2.39% | 4.05% | 8.78% | 13.47% | 9.58% | +719 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.65% | 1.23% | 1.50% | 1.16% | 1.54% | -11 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 | 8.14% | 7.97% | 7.88% | 7.83% | 7.93% | -20 bps | |
| Net Worth / Assets | 8.14% | 7.97% | 7.88% | 7.83% | 7.93% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.19% | 96.50% | 96.86% | 93.53% | 94.37% | +218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |