PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coast Line

South Portland, ME · Charter 60646

NCUA · 1 branch

Q2 2026

$89.2MAssets
$36.7MLoans
$68.3MShares
$17.0MNet 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 1.48%, down 12 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.22% of loans (-59 bps YoY).
  • Capital: net worth / assets of 19.06%, up 32 bps from a year ago.
  • Funding: loans stand at 53.75% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.48%-12 bps YoY

Net Interest Margin (quarter, annualized)

2.90%-11 bps YoY

Efficiency Ratio (quarter, annualized)

53.72%+108 bps YoY

Net Worth / Assets

19.06%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.56%1.50%1.45%1.48%-12 bps
Return on Equity8.51%8.41%8.18%7.79%7.75%-76 bps
Net Interest Margin3.01%2.96%2.88%2.90%2.90%-11 bps
Efficiency Ratio52.63%52.72%53.49%54.46%53.72%+108 bps
Growth
Asset Growth (YoY)8.97%8.99%9.67%6.93%6.66%-230 bps
Loan Growth (YoY)-2.03%-2.95%-4.63%-4.01%-4.90%-288 bps
Share Growth (YoY)12.54%11.44%13.26%7.82%7.44%-510 bps
Asset Quality
Delinquent Loans / Loans0.81%0.44%0.35%0.52%0.22%-59 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 Capital18.74%18.57%18.29%18.67%19.06%+32 bps
Net Worth / Assets18.74%18.57%18.29%18.67%19.06%+32 bps
Liquidity & Funding
Loans / Shares60.73%58.58%54.33%53.36%53.75%-698 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps