Biddeford, ME · Charter 68442
NCUA · 4 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 | 0.43% | 0.46% | 0.56% | 0.73% | 0.83% | 0.88% | 0.80% | 0.78% | +5 bps | |
| Return on Equity | 5.83% | 5.87% | 7.17% | 8.93% | 9.94% | 10.32% | 9.36% | 8.85% | -8 bps | |
| Net Interest Margin | 3.25% | 3.43% | 3.77% | 3.88% | 3.91% | 3.94% | 3.93% | 3.96% | +7 bps | |
| Efficiency Ratio | 79.90% | 80.68% | 80.37% | 78.21% | 77.51% | 76.32% | 75.87% | 76.67% | -154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | -1.02% | 0.01% | -1.44% | -1.43% | 2.49% | 2.80% | 3.11% | +455 bps | |
| Loan Growth (YoY) | 3.05% | 2.35% | 1.93% | 2.04% | 0.42% | -0.04% | 1.58% | 0.75% | -129 bps | |
| Share Growth (YoY) | 3.13% | -0.22% | 3.00% | 0.89% | 1.48% | 1.73% | 0.31% | 1.33% | +45 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 1.21% | 0.94% | 0.95% | 0.87% | 1.16% | 1.12% | 1.01% | +6 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 | 7.46% | 7.83% | 7.88% | 8.12% | 8.31% | 8.52% | 8.60% | 8.78% | +66 bps | |
| Net Worth / Assets | 7.46% | 7.83% | 7.88% | 8.12% | 8.31% | 8.52% | 8.60% | 8.78% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.80% | 83.84% | 81.09% | 82.59% | 80.95% | 82.39% | 82.12% | 82.12% | -48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |