Lewiston, ME · Charter 63447
NCUA · 3 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 | 1.01% | 0.76% | 1.15% | 1.00% | 1.15% | 0.97% | 0.16% | 0.31% | -69 bps | |
| Return on Equity | 9.59% | 7.50% | 11.29% | 9.43% | 10.56% | 9.09% | 1.54% | 2.95% | -648 bps | |
| Net Interest Margin | 4.81% | 4.74% | 4.93% | 5.20% | 5.32% | 5.20% | 5.13% | 5.20% | 0 bps | |
| Efficiency Ratio | 70.92% | 71.46% | 74.28% | 72.60% | 69.17% | 69.90% | 78.23% | 76.90% | +430 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.69% | 10.65% | 10.72% | 7.35% | 4.76% | 5.59% | 6.35% | 7.50% | +15 bps | |
| Loan Growth (YoY) | 7.06% | 4.32% | 3.58% | 8.04% | 5.94% | 5.78% | 5.77% | 0.06% | -798 bps | |
| Share Growth (YoY) | 9.16% | 11.69% | 11.25% | 7.05% | 4.30% | 5.19% | 6.58% | 8.20% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.55% | 1.17% | 1.27% | 1.76% | 1.89% | 1.61% | 1.86% | +59 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 | 10.51% | 10.20% | 10.23% | 10.60% | 10.94% | 10.62% | 10.32% | 10.49% | -11 bps | |
| Net Worth / Assets | 10.51% | 10.20% | 10.23% | 10.60% | 10.94% | 10.62% | 10.32% | 10.49% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.62% | 89.19% | 87.69% | 93.68% | 94.08% | 89.70% | 87.02% | 86.63% | -705 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |