Fort Kent, ME · Charter 15619
NCUA · 9 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 | 0.98% | 0.99% | 0.91% | 0.80% | 0.93% | 0.90% | 0.40% | 0.50% | -30 bps | |
| Return on Equity | 9.00% | 8.84% | 8.37% | 7.23% | 8.35% | 8.04% | 3.58% | 4.55% | -269 bps | |
| Net Interest Margin | 3.61% | 3.69% | 3.72% | 3.86% | 3.92% | 3.91% | 3.84% | 3.91% | +5 bps | |
| Efficiency Ratio | 75.60% | 77.02% | 74.25% | 75.82% | 73.99% | 75.14% | 86.82% | 84.72% | +890 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.84% | 10.98% | 10.55% | 5.92% | 5.77% | 8.12% | 5.69% | 6.88% | +97 bps | |
| Loan Growth (YoY) | 7.98% | 7.67% | 9.81% | 11.01% | 12.60% | 12.42% | 9.65% | 9.03% | -198 bps | |
| Share Growth (YoY) | 16.15% | 11.08% | 10.57% | 5.56% | 5.20% | 8.01% | 5.68% | 5.14% | -42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 1.19% | 0.82% | 1.44% | 0.84% | 1.37% | 1.62% | 1.12% | -32 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 | 10.88% | 11.15% | 10.89% | 11.06% | 11.20% | 11.19% | 11.05% | 11.08% | +1 bps | |
| Net Worth / Assets | 10.88% | 11.15% | 10.89% | 11.06% | 11.20% | 11.19% | 11.05% | 11.08% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.38% | 91.46% | 89.82% | 94.40% | 95.68% | 95.20% | 93.20% | 97.89% | +349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |