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Maine Harvest

Unity, ME · Charter 24915

NCUA · 1 branch

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Maine Harvest

Unity, ME · Charter 24915

NCUA · 1 branch

Q3 2022

$2.7MAssets
$1.1MLoans
$1.2MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of -11.64%, down 675 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 55.81%, down 253 bps from a year ago.
  • Funding: loans stand at 88.50% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

-11.64%-675 bps YoY

Net Interest Margin (YTD, annualized)

1.99%+108 bps YoY

Efficiency Ratio (YTD, annualized)

744%+58,998 bps YoY

Net Worth / Assets

55.81%-253 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-4.18%-12.80%-2.09%-4.89%-6.31%-10.21%-11.76%-11.64%-675 bps
Return on Equity-6.67%-21.66%-3.60%-8.38%-10.51%-17.38%-20.66%-20.85%-1,248 bps
Net Interest Margin0.24%0.57%0.76%0.91%1.10%1.68%1.85%1.99%+108 bps
Efficiency Ratio140.78%1541%118.49%154.06%182.79%578%889%744%+58,998 bps
Growth
Asset Growth (YoY)47.97%13.50%23.31%8.22%-5.44%-7.99%-14.89%-13.07%-2,129 bps
Loan Growth (YoY)n/a2208%2405%239%184.67%83.12%75.27%39.07%-20,001 bps
Share Growth (YoY)5570%105.94%111.00%42.82%1.44%-6.98%-12.66%-7.80%-5,061 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a12.22%n/an/an/an/an/an/a
Allowance / Loans0.91%0.98%1.07%1.13%1.11%1.26%1.27%1.41%+28 bps
Capital
Risk-Based Capital62.74%59.11%58.02%58.34%60.04%58.73%56.91%55.81%-253 bps
Net Worth / Assets62.74%59.11%58.02%58.34%60.04%58.73%56.91%55.81%-253 bps
Liquidity & Funding
Loans / Shares24.27%44.78%44.82%58.68%68.12%88.15%89.95%88.50%+2,983 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps