Augusta, ME · Charter 9919
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.99% | 1.83% | 1.52% | 1.48% | 1.43% | 1.50% | 1.31% | 1.33% | -15 bps | |
| Return on Equity | 11.85% | 10.97% | 9.10% | 8.76% | 8.27% | 8.68% | 7.59% | 7.55% | -120 bps | |
| Net Interest Margin | 4.58% | 4.49% | 4.43% | 4.51% | 4.56% | 4.46% | 4.23% | 4.35% | -17 bps | |
| Efficiency Ratio | 64.75% | 64.11% | 69.85% | 68.91% | 68.37% | 66.87% | 70.48% | 71.16% | +225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 5.18% | 5.54% | 7.29% | 5.85% | 5.49% | 5.59% | 3.98% | -330 bps | |
| Loan Growth (YoY) | 6.32% | 0.66% | -0.90% | -0.85% | -3.45% | -4.01% | -5.78% | -9.04% | -819 bps | |
| Share Growth (YoY) | 3.57% | 4.40% | 4.01% | 6.14% | 4.84% | 4.46% | 4.85% | 3.00% | -315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.21% | 0.07% | 0.00% | 0.01% | 0.10% | 0.59% | +52 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 | 16.81% | 16.68% | 16.72% | 16.90% | 17.29% | 17.29% | 17.25% | 17.65% | +76 bps | |
| Net Worth / Assets | 16.81% | 16.68% | 16.72% | 16.90% | 17.29% | 17.29% | 17.25% | 17.65% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.24% | 98.93% | 95.11% | 95.75% | 95.08% | 90.90% | 85.47% | 84.57% | -1,118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |