Pittsfield, ME · Charter 8936
NCUA · 3 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 | 1.68% | 1.67% | 1.56% | 1.74% | 1.87% | 1.88% | 1.97% | 2.30% | +56 bps | |
| Return on Equity | 12.60% | 12.57% | 11.31% | 12.50% | 13.04% | 13.03% | 12.96% | 14.91% | +241 bps | |
| Net Interest Margin | 3.78% | 3.68% | 3.83% | 3.88% | 3.96% | 3.88% | 4.24% | 4.88% | +101 bps | |
| Efficiency Ratio | 62.79% | 62.52% | 64.95% | 61.41% | 59.60% | 58.88% | 57.99% | 57.59% | -382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 5.76% | 6.10% | 6.77% | 5.33% | 6.01% | 4.48% | 3.85% | -292 bps | |
| Loan Growth (YoY) | 6.95% | 6.50% | 6.57% | 4.01% | 3.62% | 3.37% | 3.05% | 3.81% | -20 bps | |
| Share Growth (YoY) | 2.73% | 5.43% | -0.49% | 4.61% | 4.85% | 4.73% | 7.54% | 3.99% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.65% | 0.67% | 0.37% | 0.45% | 0.70% | 0.64% | 0.92% | +55 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 | 13.34% | 13.28% | 13.76% | 13.90% | 14.35% | 14.41% | 15.20% | 15.41% | +151 bps | |
| Net Worth / Assets | 13.34% | 13.28% | 13.76% | 13.90% | 14.35% | 14.41% | 15.20% | 15.41% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.97% | 114.48% | 115.26% | 112.23% | 113.62% | 113.00% | 110.45% | 112.03% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |