East Millinocke, ME · Charter 9518
NCUA · 4 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 | 0.88% | 0.89% | 0.46% | 0.45% | 0.49% | 0.42% | 0.21% | 0.34% | -11 bps | |
| Return on Equity | 4.54% | 4.58% | 2.44% | 2.34% | 2.57% | 2.23% | 1.13% | 1.83% | -52 bps | |
| Net Interest Margin | 3.56% | 3.61% | 3.71% | 3.71% | 3.64% | 3.64% | 3.63% | 3.89% | +18 bps | |
| Efficiency Ratio | 79.31% | 79.14% | 85.65% | 87.19% | 86.98% | 88.01% | 89.98% | 87.57% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 5.57% | 7.33% | 4.95% | 5.49% | 5.38% | 3.78% | 4.62% | -33 bps | |
| Loan Growth (YoY) | 7.14% | 3.32% | 3.19% | 5.11% | 5.29% | 9.92% | 15.36% | 22.09% | +1,698 bps | |
| Share Growth (YoY) | 1.98% | 6.10% | 8.62% | 5.68% | 5.82% | 6.09% | 4.15% | 5.22% | -47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.29% | 0.07% | 0.14% | 0.19% | 0.20% | 0.09% | 0.00% | -13 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 | 19.40% | 19.54% | 19.01% | 19.03% | 18.98% | 18.97% | 18.67% | 18.56% | -47 bps | |
| Net Worth / Assets | 19.40% | 19.54% | 19.01% | 19.03% | 18.98% | 18.97% | 18.67% | 18.56% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.58% | 45.38% | 43.50% | 44.79% | 45.35% | 47.02% | 48.17% | 51.97% | +718 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |