PackageTrendsPeer
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Seaboard

Bucksport, ME · Charter 4118

NCUA · 3 branches

Q2 2026

$246.4MAssets
$145.6MLoans
$220.9MShares
$21.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.69%, up 16 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 1.42% of loans (+35 bps YoY).
  • Capital: net worth / assets of 8.90%, up 15 bps from a year ago.
  • Funding: loans stand at 65.89% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.69%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.27%+18 bps YoY

Efficiency Ratio (quarter, annualized)

77.60%-413 bps YoY

Net Worth / Assets

8.90%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.50%0.58%0.54%0.69%+16 bps
Return on Equity6.05%5.76%6.53%6.13%7.71%+166 bps
Net Interest Margin3.10%3.11%3.13%3.22%3.27%+18 bps
Efficiency Ratio81.74%82.26%81.15%81.05%77.60%-413 bps
Growth
Asset Growth (YoY)7.06%5.62%5.84%4.72%6.13%-93 bps
Loan Growth (YoY)1.57%0.64%1.05%1.24%2.71%+114 bps
Share Growth (YoY)7.18%5.25%5.46%4.64%6.17%-102 bps
Asset Quality
Delinquent Loans / Loans1.07%1.47%1.67%0.84%1.42%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.75%8.74%8.86%8.81%8.90%+15 bps
Net Worth / Assets8.75%8.74%8.86%8.81%8.90%+15 bps
Liquidity & Funding
Loans / Shares68.11%67.88%67.27%65.60%65.89%-222 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps