South Portland, ME · Charter 4281
NCUA · 12 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 | 0.23% | 0.26% | 0.16% | 0.41% | 0.43% | 0.46% | 0.33% | 0.60% | +19 bps | |
| Return on Equity | 2.16% | 2.42% | 1.53% | 3.84% | 3.99% | 4.08% | 3.02% | 5.56% | +172 bps | |
| Net Interest Margin | 2.43% | 2.45% | 2.61% | 2.71% | 2.78% | 2.94% | 3.05% | 2.96% | +25 bps | |
| Efficiency Ratio | 90.01% | 89.32% | 91.88% | 86.35% | 86.17% | 86.04% | 88.72% | 82.81% | -354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.50% | -5.86% | -6.24% | 1.92% | 1.75% | -1.59% | -1.19% | 4.18% | +226 bps | |
| Loan Growth (YoY) | -1.94% | -3.74% | -3.96% | -2.02% | -0.89% | 0.20% | 1.26% | 8.96% | +1,098 bps | |
| Share Growth (YoY) | 1.78% | 2.72% | 1.57% | 1.16% | 1.30% | 0.16% | 0.90% | 2.77% | +161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.59% | 0.31% | 0.46% | 0.47% | 0.69% | 0.30% | 0.61% | +15 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 | 10.53% | 10.59% | 10.45% | 10.67% | 10.75% | 11.22% | 11.06% | 10.78% | +10 bps | |
| Net Worth / Assets | 10.53% | 10.59% | 10.45% | 10.67% | 10.75% | 11.22% | 11.06% | 10.78% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.68% | 78.21% | 76.02% | 77.61% | 77.96% | 78.23% | 76.29% | 82.28% | +468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |