Portland, ME · Charter 63828
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.49% | 0.51% | 0.26% | 0.36% | -18 bps | |
| Return on Equity | 4.98% | 4.49% | 4.79% | 2.47% | 3.37% | -161 bps | |
| Net Interest Margin | 3.60% | 3.64% | 3.56% | 3.38% | 3.54% | -7 bps | |
| Efficiency Ratio | 87.66% | 87.16% | 86.98% | 94.26% | 90.71% | +305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.47% | -0.62% | 2.37% | 2.59% | 4.35% | +583 bps | |
| Loan Growth (YoY) | -3.87% | -0.12% | 2.16% | 6.09% | 4.49% | +837 bps | |
| Share Growth (YoY) | -1.45% | -1.10% | 1.69% | 2.21% | 4.41% | +586 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.20% | 1.10% | 1.43% | 0.90% | 0.82% | -38 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 | 10.81% | 10.95% | 10.71% | 10.45% | 10.66% | -15 bps | |
| Net Worth / Assets | 10.81% | 10.95% | 10.71% | 10.45% | 10.66% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.62% | 78.52% | 77.62% | 75.83% | 76.68% | +6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |