PackageTrendsPeer
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Lisbon Community

Lisbon, ME · Charter 13190

NCUA · 2 branches

Q2 2026

$209.7MAssets
$102.2MLoans
$185.0MShares
$24.1MNet 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 0.88%, down 4 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.23% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.50%, up 37 bps from a year ago.
  • Funding: loans stand at 55.23% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+6 bps YoY

Efficiency Ratio (YTD, annualized)

75.43%+335 bps YoY

Net Worth / Assets

11.50%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.83%0.84%0.80%0.88%-4 bps
Return on Equity8.22%7.38%7.40%7.14%7.61%-61 bps
Net Interest Margin3.13%3.17%3.16%3.12%3.19%+6 bps
Efficiency Ratio72.09%74.76%74.62%76.68%75.43%+335 bps
Growth
Asset Growth (YoY)7.48%6.54%6.83%5.74%4.14%-333 bps
Loan Growth (YoY)2.26%1.76%3.25%1.55%4.18%+192 bps
Share Growth (YoY)7.49%6.36%6.69%5.51%3.69%-380 bps
Asset Quality
Delinquent Loans / Loans0.22%0.32%0.31%0.26%0.23%+1 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 Capital11.13%11.19%11.29%11.18%11.50%+37 bps
Net Worth / Assets11.13%11.19%11.29%11.18%11.50%+37 bps
Liquidity & Funding
Loans / Shares54.97%55.29%55.66%53.27%55.23%+26 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps