PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sebasticook Valley

Pittsfield, ME · Charter 8936

NCUA · 3 branches

Q2 2026

$186.2MAssets
$161.4MLoans
$144.0MShares
$28.7MNet 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 2.30%, up 56 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.92% of loans (+55 bps YoY).
  • Capital: net worth / assets of 15.41%, up 151 bps from a year ago.
  • Funding: loans stand at 112.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.30%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+101 bps YoY

Efficiency Ratio (YTD, annualized)

57.59%-382 bps YoY

Net Worth / Assets

15.41%+151 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.87%1.88%1.97%2.30%+56 bps
Return on Equity12.50%13.04%13.03%12.96%14.91%+241 bps
Net Interest Margin3.88%3.96%3.88%4.24%4.88%+101 bps
Efficiency Ratio61.41%59.60%58.88%57.99%57.59%-382 bps
Growth
Asset Growth (YoY)6.77%5.33%6.01%4.48%3.85%-292 bps
Loan Growth (YoY)4.01%3.62%3.37%3.05%3.81%-20 bps
Share Growth (YoY)4.61%4.85%4.73%7.54%3.99%-61 bps
Asset Quality
Delinquent Loans / Loans0.37%0.45%0.70%0.64%0.92%+55 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 Capital13.90%14.35%14.41%15.20%15.41%+151 bps
Net Worth / Assets13.90%14.35%14.41%15.20%15.41%+151 bps
Liquidity & Funding
Loans / Shares112.23%113.62%113.00%110.45%112.03%-20 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps