| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.1% | +2.8 pts |
| Share growth (YoY) | +7.7% | +3.5% | +4.1 pts |
| Loan growth (YoY) | +20.1% | +2.9% | +17.2 pts |
| ROA | 0.41% | 0.74% | -0.3 pts |
| ROE | 2.8% | 6.5% | -3.7 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.5M | $124.1M | $46.4M | $21.3M | $301K | 0.41% | 2.44% | 0.66% | 6,571 |
| Q1 2026 | $143.1M | $121.7M | $43.1M | $21.3M | $251K | 0.70% | 2.41% | 0.36% | 6,460 |
| Q4 2025 | $140.0M | $118.7M | $40.2M | $21.0M | $1.4M | 0.99% | 2.62% | 0.54% | 6,473 |
| Q3 2025 | $136.9M | $116.0M | $40.4M | $20.8M | $1.2M | 1.13% | 2.69% | 0.35% | 6,500 |
| Q2 2025 | $136.0M | $115.2M | $38.7M | $20.6M | $914K | 1.34% | 2.73% | 0.16% | 5,347 |
| Q1 2025 | $136.2M | $116.0M | $38.3M | $20.0M | $377K | 1.11% | 2.48% | 0.15% | 5,301 |
| Q4 2024 | $137.7M | $117.7M | $37.7M | $19.6M | $1.9M | 1.41% | 2.79% | 0.26% | 5,262 |
| Q3 2024 | $135.9M | $116.5M | $37.4M | $19.2M | $1.5M | 1.46% | 1.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.74% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 6.5% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 5,291 |
| Q2 2024 | $135.6M | $116.5M | $35.8M | $18.8M | $1.1M | 1.62% | 1.36% | 0.20% | 5,318 |
Loan mix (Q2 2026): real estate $23.6M · commercial $0 · consumer $19.7M · securities $45.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 77.5% | 81st |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Androscoggin, ME, ranked 10th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Androscoggin, ME | 1 | $124.1M* | 3.73% | 10th |
Maine: 55th with 0.21% · Lewiston-Auburn metro: 10th, 3.73% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1