Saco, ME · Charter 68324
NCUA · 3 branches
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 | 0.67% | 0.71% | 0.68% | 0.85% | 1.04% | 0.99% | 0.86% | 0.88% | +3 bps | |
| Return on Equity | 6.81% | 6.99% | 6.68% | 8.30% | 9.64% | 9.26% | 8.05% | 8.07% | -23 bps | |
| Net Interest Margin | 2.81% | 2.89% | 3.02% | 3.16% | 3.23% | 3.21% | 3.24% | 3.29% | +13 bps | |
| Efficiency Ratio | 80.45% | 79.65% | 81.22% | 77.37% | 74.22% | 74.87% | 77.68% | 77.30% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 6.61% | 5.64% | 3.15% | 1.29% | 4.40% | 5.16% | 3.91% | +75 bps | |
| Loan Growth (YoY) | 4.44% | 3.64% | 3.90% | 2.98% | 2.62% | 4.73% | 3.34% | 3.67% | +69 bps | |
| Share Growth (YoY) | 6.47% | 6.46% | 5.36% | 2.53% | 0.27% | 3.70% | 4.53% | 3.20% | +68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.14% | 0.16% | 0.79% | 0.79% | 0.69% | 0.29% | 0.36% | -43 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 | 9.90% | 10.16% | 10.13% | 10.29% | 10.74% | 10.72% | 10.65% | 10.90% | +61 bps | |
| Net Worth / Assets | 9.90% | 10.16% | 10.13% | 10.29% | 10.74% | 10.72% | 10.65% | 10.90% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.43% | 92.05% | 91.02% | 91.24% | 93.57% | 92.96% | 89.98% | 91.65% | +41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |