| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.1% | +2.4 pts |
| Share growth (YoY) | +6.4% | +3.5% | +2.8 pts |
| Loan growth (YoY) | -1.0% | +2.9% | -3.8 pts |
| ROA | 1.20% | 0.74% | +0.5 pts |
| ROE | 9.3% | 6.5% | +2.8 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $149.3M | $129.3M | $65.4M | $19.3M | $894K | 1.20% | 3.84% | 0.75% | 10,001 |
| Q1 2026 | $151.8M | $132.1M | $64.6M | $18.8M | $438K | 1.16% | 3.72% | 0.64% | 10,005 |
| Q4 2025 | $144.4M | $125.4M | $65.0M | $18.4M | $1.4M | 0.97% | 3.73% | 0.79% | 9,983 |
| Q3 2025 | $142.2M | $123.4M | $65.9M | $18.2M | $1.2M | 1.09% | 3.88% | 0.64% | 10,156 |
| Q2 2025 | $140.2M | $121.5M | $66.0M | $17.8M | $765K | 1.09% | 3.93% | 0.65% | 10,151 |
| Q1 2025 | $140.0M | $122.3M | $64.5M | $17.3M | $320K | 0.91% | 3.75% | 0.55% | 10,106 |
| Q4 2024 | $135.3M | $117.8M | $63.7M | $17.0M | $1.2M | 0.88% | 3.72% | 0.83% | 10,064 |
| Q3 2024 | $136.0M | $118.6M | $63.6M | $16.9M | $1.1M | 1.09% | 3.84% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.74% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.5% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 10,060 |
| Q2 2024 | $133.5M | $116.3M | $63.5M | $16.5M | $667K | 1.00% | 3.87% | 0.57% | 10,026 |
Loan mix (Q2 2026): real estate $15.4M · commercial $635K · consumer $43.8M · securities $55.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 77.5% | 26th |
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.
7 branches in 3 counties across 2 states (+1 vs 2025). Biggest market: Franklin, ME, ranked 7th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, ME | 3 | $55.4M* | 4.55% | 7th |
| Somerset, ME | 3 | $55.4M* | 5.44% | 4th |
| Hillsborough, FL | 1 | $18.5M* | 0.03% | 70th |
Maine: 59th with 0.19% · Florida: 301st with 0.00% · Tampa-St. Petersburg-Clearwater metro: 85th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 7