| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +1.8% | +0.9% | +0.9 pts |
| Loan growth (YoY) | +10.1% | -2.6% | +12.8 pts |
| ROA | 0.42% | 0.65% | -0.2 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $66.0M | $57.1M | $24.2M | $8.7M | $139K | 0.42% | 3.99% | 0.46% | 4,764 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,944 |
| Q2 2024 | $60.9M | $53.5M | $20.1M | $5.4M | $248K | 0.81% | 4.03% | 0.85% | 4,980 |
Loan mix (Q2 2026): real estate $7.5M · commercial $0 · consumer $14.7M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 80.6% | 72nd |
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.
2 branches in 2 counties across 1 state (-1 vs 2025). Biggest market: Kennebec, ME, ranked 21st with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kennebec, ME | 1 | $28.5M* | 0.64% | 21st |
| Androscoggin, ME | 1 | $28.5M* | 0.86% | 19th |
Maine: 75th with 0.10% · Lewiston-Auburn metro: 19th, 0.86% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2