Lincoln, ME · Charter 17362
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.93% | 1.99% | 1.92% | 1.77% | 1.97% | +5 bps | |
| Return on Equity | 16.11% | 16.29% | 15.66% | 15.17% | 16.30% | +19 bps | |
| Net Interest Margin | 3.75% | 3.76% | 3.72% | 3.63% | 3.76% | +1 bps | |
| Efficiency Ratio | 56.49% | 54.07% | 52.96% | 51.55% | 51.31% | -518 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.00% | 11.87% | 12.32% | 18.88% | 17.23% | +622 bps | |
| Loan Growth (YoY) | 12.50% | 12.23% | 11.04% | 9.32% | 8.91% | -359 bps | |
| Share Growth (YoY) | 10.78% | 11.33% | 11.58% | 19.12% | 17.27% | +649 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 1.78% | 1.59% | 1.06% | 1.07% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.96% | 12.20% | 12.28% | 11.64% | 12.11% | +15 bps | |
| Net Worth / Assets | 11.96% | 12.20% | 12.28% | 11.64% | 12.11% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.00% | 88.80% | 89.01% | 80.75% | 81.73% | -627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |