PackageTrendsPeer
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Gardiner

Gardiner, ME · Charter 8367

NCUA · 2 branches

Q2 2026

$100.7MAssets
$57.1MLoans
$84.1MShares
$16.0MNet 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 1.82%, down 16 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.12% of loans (+3 bps YoY).
  • Capital: net worth / assets of 15.92%, up 30 bps from a year ago.
  • Funding: loans stand at 67.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.82%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-47 bps YoY

Efficiency Ratio (YTD, annualized)

56.49%-288 bps YoY

Net Worth / Assets

15.92%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%1.92%1.86%1.76%1.82%-16 bps
Return on Equity12.64%12.04%11.51%11.15%11.41%-123 bps
Net Interest Margin4.09%4.09%4.03%3.73%3.62%-47 bps
Efficiency Ratio59.37%60.16%60.30%58.11%56.49%-288 bps
Growth
Asset Growth (YoY)10.02%10.73%10.35%11.38%10.17%+15 bps
Loan Growth (YoY)14.28%11.26%7.95%2.71%1.13%-1,315 bps
Share Growth (YoY)8.99%10.34%10.03%11.06%10.04%+106 bps
Asset Quality
Delinquent Loans / Loans0.09%0.11%0.15%0.16%0.12%+3 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 Capital15.62%15.95%16.15%15.76%15.92%+30 bps
Net Worth / Assets15.62%15.95%16.15%15.76%15.92%+30 bps
Liquidity & Funding
Loans / Shares73.95%75.12%73.80%68.25%67.96%-599 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps