Orono, ME · Charter 63133
NCUA · 9 branches
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 | 0.50% | 0.50% | 0.48% | 0.50% | 0.54% | +4 bps | |
| Return on Equity | 5.34% | 5.37% | 5.15% | 5.30% | 5.77% | +43 bps | |
| Net Interest Margin | 3.30% | 3.33% | 3.32% | 3.46% | 3.44% | +13 bps | |
| Efficiency Ratio | 86.48% | 86.50% | 86.77% | 86.23% | 86.16% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.78% | 3.92% | 3.62% | 2.85% | 5.29% | -249 bps | |
| Loan Growth (YoY) | 4.15% | 0.14% | 1.27% | 1.62% | 2.93% | -123 bps | |
| Share Growth (YoY) | 10.41% | 3.20% | 2.83% | 2.74% | 2.49% | -792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.49% | 0.39% | 0.28% | 0.61% | +30 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 | 9.33% | 9.35% | 9.30% | 9.37% | 9.37% | +3 bps | |
| Net Worth / Assets | 9.33% | 9.35% | 9.30% | 9.37% | 9.37% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.69% | 101.91% | 101.77% | 98.01% | 100.11% | +42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |