Portland, ME · Charter 63828
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.69% | 0.50% | 0.54% | 0.49% | 0.51% | 0.26% | 0.36% | -18 bps | |
| Return on Equity | 7.07% | 6.56% | 4.80% | 4.98% | 4.49% | 4.79% | 2.47% | 3.37% | -161 bps | |
| Net Interest Margin | 3.47% | 3.54% | 3.40% | 3.60% | 3.64% | 3.56% | 3.38% | 3.54% | -7 bps | |
| Efficiency Ratio | 84.77% | 87.05% | 89.07% | 87.66% | 87.16% | 86.98% | 94.26% | 90.71% | +305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 1.76% | 1.45% | -1.47% | -0.62% | 2.37% | 2.59% | 4.35% | +583 bps | |
| Loan Growth (YoY) | -5.33% | -5.62% | -6.23% | -3.87% | -0.12% | 2.16% | 6.09% | 4.49% | +837 bps | |
| Share Growth (YoY) | 1.20% | 1.88% | 1.41% | -1.45% | -1.10% | 1.69% | 2.21% | 4.41% | +586 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.70% | 0.53% | 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 | 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% | 10.57% | 10.39% | 10.81% | 10.95% | 10.71% | 10.45% | 10.66% | -15 bps | |
| Net Worth / Assets | 10.51% | 10.57% | 10.39% | 10.81% | 10.95% | 10.71% | 10.45% | 10.66% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.75% | 77.26% | 73.06% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |