South Portland, ME · Charter 17436
NCUA · 1 branch
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 | 0.69% | 0.58% | 0.45% | 0.28% | 0.06% | -64 bps | |
| Return on Equity | 6.86% | 5.75% | 4.42% | 2.87% | 0.56% | -630 bps | |
| Net Interest Margin | 3.11% | 3.03% | 3.03% | 2.76% | 2.92% | -18 bps | |
| Efficiency Ratio | 79.57% | 82.73% | 86.74% | 86.88% | 97.20% | +1,762 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.36% | 0.17% | 0.43% | 3.12% | 2.49% | +685 bps | |
| Loan Growth (YoY) | -4.59% | 0.09% | -5.61% | -3.07% | -5.26% | -66 bps | |
| Share Growth (YoY) | -7.80% | -0.43% | 0.03% | 3.02% | 4.70% | +1,251 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.81% | 0.84% | 0.86% | 0.88% | +88 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 | 10.12% | 10.07% | 10.13% | 9.77% | 10.02% | -10 bps | |
| Net Worth / Assets | 10.12% | 10.07% | 10.13% | 9.77% | 10.02% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.43% | 65.05% | 63.59% | 58.97% | 60.11% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |