Baileyville, ME · Charter 68563
NCUA · 8 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.21% | 0.61% | 0.76% | 0.66% | 0.56% | 0.51% | 0.48% | -28 bps | |
| Return on Equity | 2.37% | 2.22% | 6.45% | 8.03% | 7.08% | 6.17% | 5.77% | 5.46% | -258 bps | |
| Net Interest Margin | 2.97% | 3.05% | 3.28% | 3.33% | 3.39% | 3.41% | 3.51% | 3.50% | +17 bps | |
| Efficiency Ratio | 95.04% | 94.94% | 89.37% | 86.83% | 87.89% | 87.64% | 88.65% | 89.34% | +251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.13% | 8.66% | 3.77% | 3.85% | 6.71% | 9.06% | 10.85% | 9.23% | +538 bps | |
| Loan Growth (YoY) | 10.28% | 9.53% | 7.76% | 7.51% | 7.15% | 5.28% | 8.53% | 8.20% | +68 bps | |
| Share Growth (YoY) | 11.37% | 9.76% | 4.28% | 4.10% | 6.64% | 9.09% | 11.36% | 9.68% | +559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.48% | 0.38% | 0.40% | 0.49% | 0.97% | 0.80% | 0.95% | +56 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 | 9.72% | 9.54% | 9.44% | 9.46% | 9.39% | 9.06% | 8.81% | 8.85% | -61 bps | |
| Net Worth / Assets | 9.72% | 9.54% | 9.44% | 9.46% | 9.39% | 9.06% | 8.81% | 8.85% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.05% | 96.16% | 95.17% | 95.47% | 94.50% | 92.80% | 92.75% | 94.18% | -130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |