Lisbon, ME · Charter 13190
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.98% | 0.81% | 0.91% | 0.83% | 0.84% | 0.80% | 0.88% | -4 bps | |
| Return on Equity | 9.38% | 8.81% | 7.43% | 8.22% | 7.38% | 7.40% | 7.14% | 7.61% | -61 bps | |
| Net Interest Margin | 3.20% | 3.17% | 3.09% | 3.13% | 3.17% | 3.16% | 3.12% | 3.19% | +6 bps | |
| Efficiency Ratio | 69.57% | 70.82% | 74.34% | 72.09% | 74.76% | 74.62% | 76.68% | 75.43% | +335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.13% | 9.02% | 9.25% | 7.48% | 6.54% | 6.83% | 5.74% | 4.14% | -333 bps | |
| Loan Growth (YoY) | 4.35% | 3.58% | 3.60% | 2.26% | 1.76% | 3.25% | 1.55% | 4.18% | +192 bps | |
| Share Growth (YoY) | 9.13% | 9.11% | 9.46% | 7.49% | 6.36% | 6.69% | 5.51% | 3.69% | -380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.51% | 0.49% | 0.22% | 0.32% | 0.31% | 0.26% | 0.23% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.05% | 11.17% | 10.96% | 11.13% | 11.19% | 11.29% | 11.18% | 11.50% | +37 bps | |
| Net Worth / Assets | 11.05% | 11.17% | 10.96% | 11.13% | 11.19% | 11.29% | 11.18% | 11.50% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.79% | 57.52% | 55.34% | 54.97% | 55.29% | 55.66% | 53.27% | 55.23% | +26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |