Hampden, ME · Charter 14565
NCUA · 12 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 | 0.57% | 0.50% | 0.15% | 0.21% | 0.36% | 0.41% | 0.49% | 0.65% | +44 bps | |
| Return on Equity | 7.30% | 6.32% | 1.91% | 2.73% | 4.72% | 5.34% | 6.37% | 8.20% | +547 bps | |
| Net Interest Margin | 3.43% | 3.50% | 3.66% | 3.64% | 3.61% | 3.61% | 3.66% | 3.69% | +5 bps | |
| Efficiency Ratio | 81.45% | 82.95% | 88.44% | 85.32% | 83.84% | 82.87% | 82.41% | 77.95% | -738 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.71% | 7.85% | 3.76% | 3.91% | 5.69% | 6.75% | 6.69% | 5.14% | +122 bps | |
| Loan Growth (YoY) | 9.60% | 11.47% | 9.64% | 10.49% | 8.47% | 3.99% | 2.13% | -1.58% | -1,207 bps | |
| Share Growth (YoY) | 14.28% | 7.73% | 3.25% | 4.01% | 5.90% | 6.83% | 6.75% | 4.76% | +75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.73% | 0.47% | 1.19% | 1.56% | 1.23% | 0.99% | 1.69% | +50 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 | 7.76% | 7.84% | 7.78% | 7.68% | 7.65% | 7.73% | 7.76% | 7.91% | +23 bps | |
| Net Worth / Assets | 7.76% | 7.84% | 7.78% | 7.68% | 7.65% | 7.73% | 7.76% | 7.91% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.36% | 90.11% | 90.30% | 90.23% | 88.45% | 87.72% | 86.40% | 84.77% | -546 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |