Madawaska, ME · Charter 4261
NCUA · 6 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 | -0.47% | -0.49% | -0.30% | -0.30% | -0.26% | -0.13% | 0.40% | 0.50% | +80 bps | |
| Return on Equity | -3.68% | -4.07% | -2.62% | -2.60% | -2.22% | -1.16% | 3.46% | 4.28% | +688 bps | |
| Net Interest Margin | 3.16% | 3.13% | 3.13% | 3.24% | 3.36% | 3.38% | 3.62% | 3.68% | +43 bps | |
| Efficiency Ratio | 102.04% | 102.25% | 106.95% | 105.52% | 103.30% | 98.80% | 89.34% | 87.83% | -1,769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.94% | 4.97% | 6.28% | 6.45% | 4.66% | 3.87% | 0.87% | 0.67% | -577 bps | |
| Loan Growth (YoY) | 0.69% | -0.01% | -0.24% | 2.72% | 3.57% | 3.91% | 4.24% | 3.05% | +33 bps | |
| Share Growth (YoY) | 5.09% | 6.44% | 7.72% | 8.49% | 5.75% | 5.03% | 1.98% | 0.08% | -840 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.86% | 1.71% | 1.52% | 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 | 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 | 12.66% | 12.14% | 11.61% | 11.52% | 11.62% | 11.43% | 11.42% | 11.59% | +6 bps | |
| Net Worth / Assets | 12.66% | 12.14% | 11.61% | 11.52% | 11.62% | 11.43% | 11.42% | 11.59% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.41% | 80.28% | 75.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |