Lewiston, ME · Charter 6936
NCUA · 1 branch
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 | 1.46% | 1.41% | 1.11% | 1.34% | 1.13% | 0.99% | 0.70% | 0.41% | -93 bps | |
| Return on Equity | 10.32% | 9.90% | 7.52% | 8.89% | 7.44% | 6.57% | 4.71% | 2.82% | -607 bps | |
| Net Interest Margin | 1.40% | 2.79% | 2.48% | 2.72% | 2.68% | 2.62% | 2.41% | 2.44% | -28 bps | |
| Efficiency Ratio | 57.39% | 58.20% | 65.08% | 61.33% | 65.66% | 68.75% | 78.09% | 86.47% | +2,514 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.15% | 10.02% | 1.25% | 0.35% | 0.70% | 1.66% | 5.07% | 6.95% | +659 bps | |
| Loan Growth (YoY) | 4.62% | 7.16% | 9.05% | 8.06% | 8.07% | 6.63% | 12.35% | 20.06% | +1,200 bps | |
| Share Growth (YoY) | 7.60% | 9.72% | -0.02% | -1.09% | -0.41% | 0.84% | 4.95% | 7.65% | +874 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.26% | 0.15% | 0.16% | 0.35% | 0.54% | 0.36% | 0.66% | +50 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 | 14.12% | 14.26% | 14.70% | 15.11% | 15.20% | 15.01% | 14.87% | 14.66% | -45 bps | |
| Net Worth / Assets | 14.12% | 14.26% | 14.70% | 15.11% | 15.20% | 15.01% | 14.87% | 14.66% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.12% | 32.04% | 33.05% | 33.55% | 34.86% | 33.88% | 35.38% | 37.41% | +387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |