Bucksport, ME · Charter 4118
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.38% | 0.54% | 0.53% | 0.50% | 0.58% | 0.54% | 0.69% | +16 bps | |
| Return on Equity | 3.86% | 4.36% | 6.26% | 6.05% | 5.76% | 6.53% | 6.13% | 7.71% | +166 bps | |
| Net Interest Margin | 2.82% | 2.88% | 3.02% | 3.10% | 3.11% | 3.13% | 3.22% | 3.27% | +18 bps | |
| Efficiency Ratio | 84.83% | 83.16% | 84.43% | 81.74% | 82.26% | 81.15% | 81.05% | 77.60% | -413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.93% | 8.51% | 8.13% | 7.06% | 5.62% | 5.84% | 4.72% | 6.13% | -93 bps | |
| Loan Growth (YoY) | 6.86% | 5.08% | 4.21% | 1.57% | 0.64% | 1.05% | 1.24% | 2.71% | +114 bps | |
| Share Growth (YoY) | 8.94% | 8.87% | 8.04% | 7.18% | 5.25% | 5.46% | 4.64% | 6.17% | -102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.06% | 0.74% | 1.07% | 1.47% | 1.67% | 0.84% | 1.42% | +35 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 | 8.70% | 8.76% | 8.63% | 8.75% | 8.74% | 8.86% | 8.81% | 8.90% | +15 bps | |
| Net Worth / Assets | 8.70% | 8.76% | 8.63% | 8.75% | 8.74% | 8.86% | 8.81% | 8.90% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.99% | 70.20% | 67.80% | 68.11% | 67.88% | 67.27% | 65.60% | 65.89% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |