Sabattus, ME · Charter 64062
NCUA · 1 branch
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 | 0.75% | 0.73% | 0.74% | 0.92% | 1.02% | 1.00% | 0.77% | 0.81% | -11 bps | |
| Return on Equity | 7.91% | 7.68% | 7.87% | 9.64% | 10.27% | 10.04% | 7.66% | 7.90% | -174 bps | |
| Net Interest Margin | 2.94% | 2.98% | 3.04% | 3.09% | 3.20% | 3.17% | 3.28% | 3.37% | +28 bps | |
| Efficiency Ratio | 82.36% | 82.03% | 81.59% | 77.96% | 75.72% | 76.10% | 81.18% | 80.18% | +222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.05% | 7.67% | 6.56% | 5.90% | 5.16% | 6.65% | 4.81% | 2.19% | -371 bps | |
| Loan Growth (YoY) | 4.54% | 6.75% | 9.23% | 9.69% | 12.24% | 13.42% | 14.21% | 15.55% | +586 bps | |
| Share Growth (YoY) | 4.60% | 7.57% | 6.26% | 5.53% | 4.45% | 6.01% | 4.03% | 1.25% | -428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.19% | 0.37% | 0.34% | 0.62% | 0.63% | 1.00% | 0.76% | +42 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 | 9.42% | 9.52% | 9.44% | 9.55% | 9.89% | 9.93% | 10.01% | 10.29% | +74 bps | |
| Net Worth / Assets | 9.42% | 9.52% | 9.44% | 9.55% | 9.89% | 9.93% | 10.01% | 10.29% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.11% | 43.59% | 44.16% | 45.27% | 46.33% | 46.63% | 48.48% | 51.66% | +639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |