PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eastmill

East Millinocke, ME · Charter 9518

NCUA · 4 branches

Q2 2026

$79.6MAssets
$33.6MLoans
$64.7MShares
$14.8MNet 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 0.34%, down 11 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY).
  • Capital: net worth / assets of 18.56%, down 47 bps from a year ago.
  • Funding: loans stand at 51.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+18 bps YoY

Efficiency Ratio (YTD, annualized)

87.57%+38 bps YoY

Net Worth / Assets

18.56%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.49%0.42%0.21%0.34%-11 bps
Return on Equity2.34%2.57%2.23%1.13%1.83%-52 bps
Net Interest Margin3.71%3.64%3.64%3.63%3.89%+18 bps
Efficiency Ratio87.19%86.98%88.01%89.98%87.57%+38 bps
Growth
Asset Growth (YoY)4.95%5.49%5.38%3.78%4.62%-33 bps
Loan Growth (YoY)5.11%5.29%9.92%15.36%22.09%+1,698 bps
Share Growth (YoY)5.68%5.82%6.09%4.15%5.22%-47 bps
Asset Quality
Delinquent Loans / Loans0.14%0.19%0.20%0.09%0.00%-13 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 Capital19.03%18.98%18.97%18.67%18.56%-47 bps
Net Worth / Assets19.03%18.98%18.97%18.67%18.56%-47 bps
Liquidity & Funding
Loans / Shares44.79%45.35%47.02%48.17%51.97%+718 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps