Madison, ME · Charter 15159
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.88% | 0.91% | 1.09% | 1.09% | 0.97% | 1.16% | 1.20% | +11 bps | |
| Return on Equity | 8.79% | 7.03% | 7.38% | 8.61% | 8.56% | 7.57% | 9.31% | 9.27% | +66 bps | |
| Net Interest Margin | 3.84% | 3.72% | 3.75% | 3.93% | 3.88% | 3.73% | 3.72% | 3.84% | -9 bps | |
| Efficiency Ratio | 72.57% | 76.29% | 75.26% | 72.47% | 72.34% | 74.55% | 69.63% | 70.09% | -238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 6.60% | 5.51% | 5.01% | 4.56% | 6.71% | 8.38% | 6.49% | +148 bps | |
| Loan Growth (YoY) | 3.30% | 2.25% | 3.01% | 3.90% | 3.63% | 1.96% | 0.16% | -0.96% | -486 bps | |
| Share Growth (YoY) | 6.39% | 6.64% | 5.57% | 4.47% | 3.99% | 6.39% | 8.01% | 6.38% | +192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.83% | 0.55% | 0.65% | 0.64% | 0.79% | 0.64% | 0.75% | +11 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 | 12.44% | 12.57% | 12.37% | 12.68% | 12.78% | 12.75% | 12.41% | 12.92% | +25 bps | |
| Net Worth / Assets | 12.44% | 12.57% | 12.37% | 12.68% | 12.78% | 12.75% | 12.41% | 12.92% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.62% | 54.07% | 52.71% | 54.32% | 53.44% | 51.82% | 48.88% | 50.58% | -375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |