Lewiston, ME · Charter 5144
NCUA · 1 branch
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 | 0.78% | 0.64% | 0.50% | 0.19% | 0.05% | -73 bps | |
| Return on Equity | 7.20% | 5.99% | 4.58% | 1.70% | 0.48% | -672 bps | |
| Net Interest Margin | 3.58% | 3.59% | 3.71% | 3.87% | 3.88% | +30 bps | |
| Efficiency Ratio | 78.55% | 81.28% | 85.39% | 87.76% | 89.78% | +1,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.16% | 15.21% | 14.31% | 2.01% | -0.02% | -1,417 bps | |
| Loan Growth (YoY) | 9.30% | 6.17% | 6.89% | 6.14% | 6.81% | -249 bps | |
| Share Growth (YoY) | 15.43% | 16.50% | 15.78% | 1.93% | -0.13% | -1,557 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.68% | 0.47% | 0.80% | 0.76% | +33 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 | 10.88% | 10.75% | 10.83% | 11.06% | 10.93% | +5 bps | |
| Net Worth / Assets | 10.88% | 10.75% | 10.83% | 11.06% | 10.93% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.11% | 70.73% | 74.09% | 75.48% | 77.12% | +501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |