Gardiner, ME · Charter 8367
NCUA · 2 branches
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 | 1.94% | 1.99% | 1.67% | 1.97% | 1.92% | 1.86% | 1.76% | 1.82% | -16 bps | |
| Return on Equity | 12.50% | 12.59% | 10.77% | 12.64% | 12.04% | 11.51% | 11.15% | 11.41% | -123 bps | |
| Net Interest Margin | 3.94% | 3.97% | 3.91% | 4.09% | 4.09% | 4.03% | 3.73% | 3.62% | -47 bps | |
| Efficiency Ratio | 60.82% | 60.12% | 62.42% | 59.37% | 60.16% | 60.30% | 58.11% | 56.49% | -288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | 4.30% | 5.80% | 10.02% | 10.73% | 10.35% | 11.38% | 10.17% | +15 bps | |
| Loan Growth (YoY) | 14.84% | 16.31% | 16.63% | 14.28% | 11.26% | 7.95% | 2.71% | 1.13% | -1,315 bps | |
| Share Growth (YoY) | -2.24% | 2.65% | 4.18% | 8.99% | 10.34% | 10.03% | 11.06% | 10.04% | +106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 0.01% | 0.09% | 0.11% | 0.15% | 0.16% | 0.12% | +3 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 | 15.50% | 15.77% | 15.52% | 15.62% | 15.95% | 16.15% | 15.76% | 15.92% | +30 bps | |
| Net Worth / Assets | 15.50% | 15.77% | 15.52% | 15.62% | 15.95% | 16.15% | 15.76% | 15.92% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.50% | 75.22% | 73.80% | 73.95% | 75.12% | 73.80% | 68.25% | 67.96% | -599 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |