Augusta, ME · Charter 62976
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.13% | 0.67% | 0.76% | 0.95% | 0.88% | 0.98% | 0.51% | -25 bps | |
| Return on Equity | 10.03% | 10.27% | 6.29% | 7.03% | 8.67% | 7.90% | 8.81% | 4.64% | -240 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.10% | 3.23% | 3.32% | 3.36% | 3.27% | 3.36% | +13 bps | |
| Efficiency Ratio | 71.26% | 71.08% | 79.37% | 78.11% | 74.50% | 76.00% | 77.33% | 86.82% | +871 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | 2.36% | 5.58% | 6.55% | 8.98% | 6.34% | 4.32% | 4.47% | -208 bps | |
| Loan Growth (YoY) | -4.78% | -4.97% | -5.34% | -4.71% | -5.80% | -4.21% | -3.20% | 0.38% | +510 bps | |
| Share Growth (YoY) | -3.06% | 0.66% | 4.20% | 6.74% | 8.95% | 7.25% | 5.25% | 4.20% | -253 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 1.04% | 0.55% | 0.46% | 0.48% | 0.47% | 0.23% | 0.47% | +1 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 | 10.85% | 10.96% | 10.59% | 10.79% | 10.98% | 11.19% | 11.09% | 11.08% | +29 bps | |
| Net Worth / Assets | 10.85% | 10.96% | 10.59% | 10.79% | 10.98% | 11.19% | 11.09% | 11.08% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.01% | 46.90% | 43.18% | 42.96% | 41.51% | 41.89% | 39.71% | 41.39% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |