PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Atlantic Regional

South Portland, ME · Charter 4281

NCUA · 12 branches

Q2 2026

$1.1BAssets
$806.8MLoans
$980.5MShares
$122.4MNet 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 0.60%, up 19 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.61% of loans (+15 bps YoY).
  • Capital: net worth / assets of 10.78%, up 10 bps from a year ago.
  • Funding: loans stand at 82.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.60%+19 bps YoY

Net Interest Margin (quarter, annualized)

2.96%+25 bps YoY

Efficiency Ratio (quarter, annualized)

82.81%-354 bps YoY

Net Worth / Assets

10.78%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.43%0.46%0.33%0.60%+19 bps
Return on Equity3.84%3.99%4.08%3.02%5.56%+172 bps
Net Interest Margin2.71%2.78%2.94%3.05%2.96%+25 bps
Efficiency Ratio86.35%86.17%86.04%88.72%82.81%-354 bps
Growth
Asset Growth (YoY)1.92%1.75%-1.59%-1.19%4.18%+226 bps
Loan Growth (YoY)-2.02%-0.89%0.20%1.26%8.96%+1,098 bps
Share Growth (YoY)1.16%1.30%0.16%0.90%2.77%+161 bps
Asset Quality
Delinquent Loans / Loans0.46%0.47%0.69%0.30%0.61%+15 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 Capital10.67%10.75%11.22%11.06%10.78%+10 bps
Net Worth / Assets10.67%10.75%11.22%11.06%10.78%+10 bps
Liquidity & Funding
Loans / Shares77.61%77.96%78.23%76.29%82.28%+468 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps