| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | +5.7% | -2.4% | +8.1 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 2.5% | 4.1% | -1.6 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 | $65.8M | $57.0M | $22.9M | $8.7M | $54K | 0.33% | 3.86% | 0.78% | 4,757 |
| Q4 2025 | $64.7M | $55.9M | $22.4M | $8.6M | $965K | 1.49% | 4.22% | 0.96% | 4,728 |
| Q3 2025 | $64.0M | $55.3M | $22.2M | $8.5M | $887K | 1.85% | 4.32% | 0.58% | 4,858 |
| Q2 2025 | $64.4M | $56.1M | $21.9M | $8.1M | $517K | 1.60% | 4.28% | 0.48% | 4,854 |
| Q1 2025 | $63.3M | $55.1M | $21.7M | $7.9M | $261K | 1.65% | 4.50% | 0.75% | 4,858 |
| Q4 2024 | $61.7M | $52.8M | $21.4M | $7.6M | $779K | 1.26% | 4.05% | 0.27% | 4,865 |
| Q3 2024 | $59.7M | $51.9M | $21.0M | $7.3M | $484K | 1.08% | 4.15% | 0.82% | 4,944 |
| Q2 2024 | $60.9M | $53.5M | $20.1M | $5.4M | $248K | 0.81% | 4.03% | 0.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,980 |
Loan mix (Q1 2026): real estate $7.4M · commercial $0 · consumer $13.5M · securities $30.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 81.5% | 74th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Androscoggin, ME, ranked 17th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Androscoggin, ME | 2 | $37.4M* | 1.15% | 17th |
| Kennebec, ME | 1 | $18.7M* | 0.36% | 22nd |
Maine: 73rd with 0.10% · Lewiston-Auburn metro: 17th, 1.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3