Orono, ME · Charter 63133
NCUA · 9 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 | 0.22% | 0.20% | 0.29% | 0.50% | 0.50% | 0.48% | 0.50% | 0.54% | +4 bps | |
| Return on Equity | 2.35% | 2.20% | 3.24% | 5.34% | 5.37% | 5.15% | 5.30% | 5.77% | +43 bps | |
| Net Interest Margin | 3.05% | 3.03% | 3.19% | 3.30% | 3.33% | 3.32% | 3.46% | 3.44% | +13 bps | |
| Efficiency Ratio | 92.69% | 93.81% | 91.37% | 86.48% | 86.50% | 86.77% | 86.23% | 86.16% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.45% | 5.87% | 8.39% | 7.78% | 3.92% | 3.62% | 2.85% | 5.29% | -249 bps | |
| Loan Growth (YoY) | 5.35% | 5.15% | 4.50% | 4.15% | 0.14% | 1.27% | 1.62% | 2.93% | -123 bps | |
| Share Growth (YoY) | 4.76% | 8.42% | 10.04% | 10.41% | 3.20% | 2.83% | 2.74% | 2.49% | -792 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.34% | 0.16% | 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 | 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 | 9.48% | 9.14% | 9.10% | 9.33% | 9.35% | 9.30% | 9.37% | 9.37% | +3 bps | |
| Net Worth / Assets | 9.48% | 9.14% | 9.10% | 9.33% | 9.35% | 9.30% | 9.37% | 9.37% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.02% | 103.34% | 99.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |