Bath, ME · Charter 67993
NCUA · 15 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 | 0.23% | 0.30% | 0.19% | 1.38% | 0.59% | +35 bps | |
| Return on Equity | 2.55% | 3.16% | 2.10% | 14.72% | 6.23% | +368 bps | |
| Net Interest Margin | 3.98% | 4.04% | 4.09% | 4.07% | 4.19% | +22 bps | |
| Efficiency Ratio | 92.92% | 91.79% | 93.30% | 80.18% | 89.25% | -367 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.61% | 4.37% | 2.78% | 1.58% | 1.28% | -632 bps | |
| Loan Growth (YoY) | 3.52% | -0.40% | -1.29% | -1.53% | -2.76% | -628 bps | |
| Share Growth (YoY) | 7.93% | 4.22% | 2.89% | 1.23% | 1.11% | -682 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 1.56% | 0.32% | 0.52% | 1.60% | +72 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 | 9.19% | 9.34% | 9.25% | 9.41% | 9.44% | +25 bps | |
| Net Worth / Assets | 9.19% | 9.34% | 9.25% | 9.41% | 9.44% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.82% | 82.70% | 81.66% | 78.82% | 79.66% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |