Falmouth, ME · Charter 9500
NCUA · 7 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.77% | 1.02% | 0.93% | 0.92% | 0.97% | 1.07% | 1.01% | +8 bps | |
| Return on Equity | 7.58% | 8.14% | 10.74% | 9.69% | 9.53% | 9.85% | 10.73% | 10.02% | +33 bps | |
| Net Interest Margin | 2.35% | 2.37% | 2.64% | 2.70% | 2.71% | 2.76% | 2.91% | 2.91% | +21 bps | |
| Efficiency Ratio | 74.87% | 74.14% | 67.57% | 70.44% | 70.68% | 69.93% | 67.02% | 68.39% | -205 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 6.41% | 6.91% | 6.98% | 7.26% | 5.73% | 5.42% | 5.67% | -131 bps | |
| Loan Growth (YoY) | 7.01% | 5.10% | 4.32% | 5.00% | 8.24% | 7.65% | 6.10% | 6.97% | +197 bps | |
| Share Growth (YoY) | 3.60% | 5.78% | 6.26% | 6.30% | 7.21% | 5.70% | 5.15% | 5.51% | -78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.17% | 0.78% | 1.11% | 0.88% | 1.46% | 0.88% | 0.90% | -21 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 | 9.36% | 9.42% | 9.47% | 9.60% | 9.65% | 9.88% | 9.96% | 10.10% | +49 bps | |
| Net Worth / Assets | 9.36% | 9.42% | 9.47% | 9.60% | 9.65% | 9.88% | 9.96% | 10.10% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.48% | 61.57% | 61.08% | 62.42% | 63.07% | 62.70% | 61.63% | 63.28% | +86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |