Madawaska, ME · Charter 4261
NCUA · 6 branches
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 | -0.30% | -0.26% | -0.13% | 0.40% | 0.50% | +80 bps | |
| Return on Equity | -2.60% | -2.22% | -1.16% | 3.46% | 4.28% | +688 bps | |
| Net Interest Margin | 3.24% | 3.36% | 3.38% | 3.62% | 3.68% | +43 bps | |
| Efficiency Ratio | 105.52% | 103.30% | 98.80% | 89.34% | 87.83% | -1,769 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.45% | 4.66% | 3.87% | 0.87% | 0.67% | -577 bps | |
| Loan Growth (YoY) | 2.72% | 3.57% | 3.91% | 4.24% | 3.05% | +33 bps | |
| Share Growth (YoY) | 8.49% | 5.75% | 5.03% | 1.98% | 0.08% | -840 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.11% | 2.04% | 1.79% | 1.46% | 1.74% | -36 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 | 11.52% | 11.62% | 11.43% | 11.42% | 11.59% | +6 bps | |
| Net Worth / Assets | 11.52% | 11.62% | 11.43% | 11.42% | 11.59% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.91% | 79.73% | 79.43% | 77.18% | 79.19% | +228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |