PackageTrendsPeer
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Saco Valley

Saco, ME · Charter 68324

NCUA · 3 branches

Q2 2026

$195.5MAssets
$159.3MLoans
$173.8MShares
$21.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.88%, up 3 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.36% of loans (-43 bps YoY).
  • Capital: net worth / assets of 10.90%, up 61 bps from a year ago.
  • Funding: loans stand at 91.65% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.88%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+13 bps YoY

Efficiency Ratio (quarter, annualized)

77.30%-6 bps YoY

Net Worth / Assets

10.90%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%1.04%0.99%0.86%0.88%+3 bps
Return on Equity8.30%9.64%9.26%8.05%8.07%-23 bps
Net Interest Margin3.16%3.23%3.21%3.24%3.29%+13 bps
Efficiency Ratio77.37%74.22%74.87%77.68%77.30%-6 bps
Growth
Asset Growth (YoY)3.15%1.29%4.40%5.16%3.91%+75 bps
Loan Growth (YoY)2.98%2.62%4.73%3.34%3.67%+69 bps
Share Growth (YoY)2.53%0.27%3.70%4.53%3.20%+68 bps
Asset Quality
Delinquent Loans / Loans0.79%0.79%0.69%0.29%0.36%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.29%10.74%10.72%10.65%10.90%+61 bps
Net Worth / Assets10.29%10.74%10.72%10.65%10.90%+61 bps
Liquidity & Funding
Loans / Shares91.24%93.57%92.96%89.98%91.65%+41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps