Millinocket, ME · Charter 9348
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.20% | 1.27% | 1.22% | 1.21% | +3 bps | |
| Return on Equity | 7.50% | 7.43% | 7.81% | 7.48% | 7.37% | -14 bps | |
| Net Interest Margin | 4.19% | 4.32% | 4.31% | 4.29% | 4.31% | +12 bps | |
| Efficiency Ratio | 74.24% | 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 / Loans | 0.90% | 0.98% | 1.02% | 0.77% | 1.02% | +12 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.66% | 16.09% | 16.26% | 16.29% | 16.41% | +76 bps | |
| Net Worth / Assets | 15.66% | 16.09% | 16.26% | 16.29% | 16.41% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.74% | 80.72% | 80.30% | 77.55% | 79.23% | -150 bps | |
| Liquid Assets / Assets | 98.27% | 0.00% | 0.00% | 0.00% | 0.00% | -9,827 bps | |