PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Maine

Lewiston, ME · Charter 6936

NCUA · 1 branch

Q2 2026

$145.5MAssets
$46.4MLoans
$124.1MShares
$21.3MNet 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 0.41%, down 93 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.66% of loans (+50 bps YoY).
  • Capital: net worth / assets of 14.66%, down 45 bps from a year ago.
  • Funding: loans stand at 37.41% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.41%-93 bps YoY

Net Interest Margin (quarter, annualized)

2.44%-28 bps YoY

Efficiency Ratio (quarter, annualized)

86.47%+2,514 bps YoY

Net Worth / Assets

14.66%-45 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.13%0.99%0.70%0.41%-93 bps
Return on Equity8.89%7.44%6.57%4.71%2.82%-607 bps
Net Interest Margin2.72%2.68%2.62%2.41%2.44%-28 bps
Efficiency Ratio61.33%65.66%68.75%78.09%86.47%+2,514 bps
Growth
Asset Growth (YoY)0.35%0.70%1.66%5.07%6.95%+659 bps
Loan Growth (YoY)8.06%8.07%6.63%12.35%20.06%+1,200 bps
Share Growth (YoY)-1.09%-0.41%0.84%4.95%7.65%+874 bps
Asset Quality
Delinquent Loans / Loans0.16%0.35%0.54%0.36%0.66%+50 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 Capital15.11%15.20%15.01%14.87%14.66%-45 bps
Net Worth / Assets15.11%15.20%15.01%14.87%14.66%-45 bps
Liquidity & Funding
Loans / Shares33.55%34.86%33.88%35.38%37.41%+387 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps