| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.1% | +2.9 pts |
| Share growth (YoY) | +6.9% | +3.5% | +3.3 pts |
| Loan growth (YoY) | +1.8% | +2.9% | -1.1 pts |
| ROA | 0.63% | 0.74% | -0.1 pts |
| ROE | 6.1% | 6.5% | -0.4 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.8M | $105.3M | $74.3M | $12.2M | $369K | 0.63% | 3.30% | 0.08% | 8,618 |
| Q1 2026 | $117.1M | $104.8M | $73.7M | $12.0M | $208K | 0.71% | 3.28% | 0.09% | 8,561 |
| Q4 2025 | $116.2M | $104.2M | $72.6M | $11.8M | $825K | 0.71% | 3.28% | 0.12% | 8,494 |
| Q3 2025 | $110.9M | $99.0M | $73.7M | $11.5M | $560K | 0.67% | 3.39% | 0.74% | 8,485 |
| Q2 2025 | $110.1M | $98.6M | $73.0M | $11.2M | $263K | 0.48% | 3.34% | 0.82% | 8,732 |
| Q1 2025 | $110.1M | $98.7M | $72.4M | $11.1M | $123K | 0.45% | 3.23% | 0.73% | 8,664 |
| Q4 2024 | $108.2M | $97.0M | $71.6M | $11.0M | $720K | 0.67% | 3.27% | 0.12% | 8,607 |
| Q3 2024 | $108.3M | $97.0M | $73.9M | $11.0M | $741K | 0.91% | 3.26% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.74% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.5% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 8,629 |
| Q2 2024 | $107.1M | $96.1M | $73.6M | $10.8M | $540K | 1.01% | 3.29% | 0.15% | 8,849 |
Loan mix (Q2 2026): real estate $17.0M · commercial $3.0M · consumer $42.6M · securities $27.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 77.5% | 63rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Penobscot, ME, ranked 14th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Penobscot, ME | 2 | $105.3M* | 1.61% | 14th |
Maine: 62nd with 0.18% · Bangor metro: 14th, 1.61% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2