South Portland, ME · Charter 17436
NCUA · 1 branch
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 | 0.06% | 0.17% | 0.60% | 0.69% | 0.58% | 0.45% | 0.28% | 0.06% | -64 bps | |
| Return on Equity | 0.65% | 1.77% | 6.22% | 6.86% | 5.75% | 4.42% | 2.87% | 0.56% | -630 bps | |
| Net Interest Margin | 2.48% | 2.64% | 3.04% | 3.11% | 3.03% | 3.03% | 2.76% | 2.92% | -18 bps | |
| Efficiency Ratio | 96.62% | 92.75% | 82.09% | 79.57% | 82.73% | 86.74% | 86.88% | 97.20% | +1,762 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -2.55% | -3.01% | -4.36% | 0.17% | 0.43% | 3.12% | 2.49% | +685 bps | |
| Loan Growth (YoY) | -3.80% | 1.97% | -1.15% | -4.59% | 0.09% | -5.61% | -3.07% | -5.26% | -66 bps | |
| Share Growth (YoY) | -5.00% | -3.06% | -3.79% | -7.80% | -0.43% | 0.03% | 3.02% | 4.70% | +1,251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.18% | 0.03% | 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 | 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 | 9.53% | 9.72% | 9.72% | 10.12% | 10.07% | 10.13% | 9.77% | 10.02% | -10 bps | |
| Net Worth / Assets | 9.53% | 9.72% | 9.72% | 10.12% | 10.07% | 10.13% | 9.77% | 10.02% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.71% | 67.39% | 62.67% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |