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Peopleschoice

Biddeford, ME · Charter 68442

NCUA · 4 branches

Q2 2026

$366.9MAssets
$275.7MLoans
$335.7MShares
$32.2MNet 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 0.78%, up 5 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 1.01% of loans (+6 bps YoY).
  • Capital: net worth / assets of 8.78%, up 66 bps from a year ago.
  • Funding: loans stand at 82.12% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.78%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+7 bps YoY

Efficiency Ratio (quarter, annualized)

76.67%-154 bps YoY

Net Worth / Assets

8.78%+66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.83%0.88%0.80%0.78%+5 bps
Return on Equity8.93%9.94%10.32%9.36%8.85%-8 bps
Net Interest Margin3.88%3.91%3.94%3.93%3.96%+7 bps
Efficiency Ratio78.21%77.51%76.32%75.87%76.67%-154 bps
Growth
Asset Growth (YoY)-1.44%-1.43%2.49%2.80%3.11%+455 bps
Loan Growth (YoY)2.04%0.42%-0.04%1.58%0.75%-129 bps
Share Growth (YoY)0.89%1.48%1.73%0.31%1.33%+45 bps
Asset Quality
Delinquent Loans / Loans0.95%0.87%1.16%1.12%1.01%+6 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 Capital8.12%8.31%8.52%8.60%8.78%+66 bps
Net Worth / Assets8.12%8.31%8.52%8.60%8.78%+66 bps
Liquidity & Funding
Loans / Shares82.59%80.95%82.39%82.12%82.12%-48 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps