PackageTrendsPeer
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Katahdin

Millinocket, ME · Charter 9348

NCUA · 2 branches

Q2 2026

$110.9MAssets
$73.3MLoans
$92.5MShares
$18.2MNet 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 1.21%, up 3 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 1.02% of loans (+12 bps YoY).
  • Capital: net worth / assets of 16.41%, up 76 bps from a year ago.
  • Funding: loans stand at 79.23% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+12 bps YoY

Efficiency Ratio (YTD, annualized)

73.77%-47 bps YoY

Net Worth / Assets

16.41%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.20%1.27%1.22%1.21%+3 bps
Return on Equity7.50%7.43%7.81%7.48%7.37%-14 bps
Net Interest Margin4.19%4.32%4.31%4.29%4.31%+12 bps
Efficiency Ratio74.24%73.94%72.86%75.47%73.77%-47 bps
Growth
Asset Growth (YoY)8.81%5.90%7.35%4.94%3.28%-553 bps
Loan Growth (YoY)0.97%-2.67%-1.63%-2.58%0.43%-54 bps
Share Growth (YoY)8.88%5.27%6.87%4.21%2.34%-655 bps
Asset Quality
Delinquent Loans / Loans0.90%0.98%1.02%0.77%1.02%+12 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 Capital15.66%16.09%16.26%16.29%16.41%+76 bps
Net Worth / Assets15.66%16.09%16.26%16.29%16.41%+76 bps
Liquidity & Funding
Loans / Shares80.74%80.72%80.30%77.55%79.23%-150 bps
Liquid Assets / Assets98.27%0.00%0.00%0.00%0.00%-9,827 bps