PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Downeast

Baileyville, ME · Charter 68563

NCUA · 8 branches

Q2 2026

$330.4MAssets
$280.0MLoans
$297.3MShares
$29.2MNet 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 0.48%, down 28 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.95% of loans (+56 bps YoY).
  • Capital: net worth / assets of 8.85%, down 61 bps from a year ago.
  • Funding: loans stand at 94.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+17 bps YoY

Efficiency Ratio (YTD, annualized)

89.34%+251 bps YoY

Net Worth / Assets

8.85%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.66%0.56%0.51%0.48%-28 bps
Return on Equity8.03%7.08%6.17%5.77%5.46%-258 bps
Net Interest Margin3.33%3.39%3.41%3.51%3.50%+17 bps
Efficiency Ratio86.83%87.89%87.64%88.65%89.34%+251 bps
Growth
Asset Growth (YoY)3.85%6.71%9.06%10.85%9.23%+538 bps
Loan Growth (YoY)7.51%7.15%5.28%8.53%8.20%+68 bps
Share Growth (YoY)4.10%6.64%9.09%11.36%9.68%+559 bps
Asset Quality
Delinquent Loans / Loans0.40%0.49%0.97%0.80%0.95%+56 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 Capital9.46%9.39%9.06%8.81%8.85%-61 bps
Net Worth / Assets9.46%9.39%9.06%8.81%8.85%-61 bps
Liquidity & Funding
Loans / Shares95.47%94.50%92.80%92.75%94.18%-130 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps