| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +5.2% | +0.9% | +4.3 pts |
| Loan growth (YoY) | +22.1% | -2.6% | +24.7 pts |
| ROA | 0.34% | 0.65% | -0.3 pts |
| ROE | 1.8% | 4.4% | -2.6 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.6M | $64.7M | $33.6M | $14.8M | $135K | 0.34% | 3.89% | 0.00% | 4,094 |
| Q1 2026 | $78.6M | $63.8M | $30.7M | $14.7M | $42K | 0.21% | 3.63% | 0.09% | 4,070 |
| Q4 2025 | $77.2M | $62.4M | $29.4M | $14.6M | $327K | 0.42% | 3.64% | 0.20% | 4,081 |
| Q3 2025 | $76.9M | $62.1M | $28.2M | $14.6M | $281K | 0.49% | 3.64% | 0.19% | 4,095 |
| Q2 2025 | $76.1M | $61.5M | $27.5M | $14.5M | $170K | 0.45% | 3.71% | 0.14% | 4,124 |
| Q1 2025 | $75.7M | $61.3M | $26.6M | $14.4M | $88K | 0.46% | 3.71% | 0.07% | 4,112 |
| Q4 2024 | $73.2M | $58.9M | $26.7M | $14.3M | $655K | 0.89% | 3.61% | 0.29% | 4,128 |
| Q3 2024 | $72.9M | $58.7M | $26.7M | $14.1M | $482K | 0.88% | 3.56% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,131 |
| Q2 2024 | $72.5M | $58.2M | $26.2M | $14.1M | $451K | 1.24% | 3.53% | 0.00% | 4,156 |
Loan mix (Q2 2026): real estate $13.8M · commercial $122K · consumer $14.3M · securities $35.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 80.6% | 66th |
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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Cumberland, ME, ranked 39th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cumberland, ME | 2 | $32.3M* | 0.16% | 39th |
| Penobscot, ME | 2 | $32.3M* | 0.50% | 23rd |
Maine: 73rd with 0.11% · Bangor metro: 23rd, 0.50% · Portland-South Portland metro: 46th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4