Augusta, ME · Charter 1133
NCUA · 2 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 | 0.32% | 0.40% | 0.38% | 2.28% | 1.07% | +75 bps | |
| Return on Equity | 3.17% | 3.92% | 3.67% | 22.31% | 10.44% | +727 bps | |
| Net Interest Margin | 3.94% | 3.94% | 3.97% | 3.70% | 3.88% | -6 bps | |
| Efficiency Ratio | 87.95% | 86.02% | 85.90% | 64.57% | 76.15% | -1,180 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.08% | 4.99% | 5.25% | 6.90% | 6.67% | +359 bps | |
| Loan Growth (YoY) | 9.93% | 9.01% | 7.49% | 6.76% | 2.45% | -748 bps | |
| Share Growth (YoY) | 3.28% | 5.19% | 5.59% | 6.72% | 6.77% | +349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 1.86% | 1.02% | 0.97% | 2.06% | +120 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 | 10.16% | 10.14% | 10.22% | 10.20% | 10.24% | +8 bps | |
| Net Worth / Assets | 10.16% | 10.14% | 10.22% | 10.20% | 10.24% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.40% | 76.12% | 77.23% | 73.06% | 74.27% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |