Waterville, ME · Charter 9943
NCUA · 2 branches
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 | 2.14% | 2.09% | 1.84% | 2.11% | 2.16% | 2.02% | 2.01% | 2.08% | -4 bps | |
| Return on Equity | 14.91% | 14.36% | 13.12% | 14.83% | 14.78% | 13.88% | 14.10% | 14.23% | -61 bps | |
| Net Interest Margin | 4.63% | 4.60% | 4.57% | 4.56% | 4.59% | 4.45% | 4.19% | 4.17% | -39 bps | |
| Efficiency Ratio | 59.19% | 59.85% | 58.19% | 58.13% | 57.98% | 58.76% | 60.49% | 59.00% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | 1.42% | 4.18% | 7.32% | 14.21% | 15.94% | 14.55% | 12.92% | +560 bps | |
| Loan Growth (YoY) | 1.02% | 1.69% | 5.21% | 7.12% | 6.63% | 5.79% | 5.16% | 5.59% | -154 bps | |
| Share Growth (YoY) | 2.10% | 2.86% | 6.18% | 9.69% | 13.23% | 15.45% | 13.82% | 12.39% | +270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.23% | 0.32% | 0.21% | 0.79% | 0.67% | 0.34% | 1.02% | +81 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 | 14.33% | 14.53% | 14.01% | 14.24% | 14.64% | 14.55% | 14.23% | 14.59% | +36 bps | |
| Net Worth / Assets | 14.33% | 14.53% | 14.01% | 14.24% | 14.64% | 14.55% | 14.23% | 14.59% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.31% | 99.65% | 94.54% | 94.81% | 94.46% | 91.32% | 87.35% | 89.07% | -574 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |