Augusta, ME · Charter 63377
NCUA · 5 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 | 0.35% | 0.39% | 0.29% | 0.21% | 0.26% | -9 bps | |
| Return on Equity | 3.47% | 3.76% | 2.90% | 2.08% | 2.70% | -77 bps | |
| Net Interest Margin | 3.04% | 3.10% | 3.05% | 3.22% | 3.19% | +15 bps | |
| Efficiency Ratio | 77.33% | 77.24% | 79.61% | 84.47% | 84.37% | +704 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.53% | 11.06% | 11.05% | 7.60% | 7.14% | -239 bps | |
| Loan Growth (YoY) | 11.44% | 10.58% | 10.13% | 12.52% | 16.40% | +497 bps | |
| Share Growth (YoY) | 6.22% | 8.01% | 11.66% | 7.46% | 4.28% | -193 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.26% | 1.26% | 1.14% | 0.82% | 0.79% | -47 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 | 10.22% | 10.32% | 9.98% | 9.92% | 9.78% | -44 bps | |
| Net Worth / Assets | 10.22% | 10.32% | 9.98% | 9.92% | 9.78% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.49% | 82.91% | 82.63% | 84.62% | 87.61% | +912 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |