| Metric | Downeast Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +3.9% | +6.9 pts |
| Share growth (YoY) | +11.4% | +3.3% | +8.1 pts |
| Loan growth (YoY) | +8.5% | +2.9% | +5.6 pts |
| ROA | 0.51% | 0.69% | -0.2 pts |
| ROE | 5.8% | 5.9% | -0.2 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $327.7M | $295.1M | $273.7M | $28.9M | $416K | 0.51% | 3.51% | 0.80% | 25,342 |
| Q4 2025 | $314.0M | $281.6M | $261.3M | $28.4M | $1.8M | 0.56% | 3.41% | 0.97% | 24,718 |
| Q3 2025 | $308.8M | $276.6M | $261.4M | $29.0M | $1.5M | 0.66% | 3.39% | 0.49% | 24,511 |
| Q2 2025 | $302.5M | $271.1M | $258.8M | $28.6M | $1.1M | 0.76% | 3.33% | 0.40% | 24,196 |
| Q1 2025 | $295.6M | $265.0M | $252.2M | $27.9M | $450K | 0.61% | 3.28% | 0.38% | 23,287 |
| Q4 2024 | $287.9M | $258.1M | $248.2M | $27.5M | $610K | 0.21% | 3.05% | 0.48% | 23,287 |
| Q3 2024 | $289.4M | $259.4M | $244.0M | $28.1M | $500K | 0.23% | 2.97% | 0.45% | 22,994 |
| Q2 2024 | $291.2M | $260.4M | $240.7M | $27.9M | $233K | 0.16% | 2.88% |
| Ratio | Downeast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 22,639 |
Loan mix (Q1 2026): real estate $45.2M · commercial $27K · consumer $206.2M · securities $15.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.7% | 78.7% | 81th |
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 | Downeast Credit Union | 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 | Downeast Credit Union | 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 | Downeast Credit Union | 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 | Downeast Credit Union | 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.