| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.9% | +1.8 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +1.6% | +2.9% | -1.4 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 7.1% | 5.9% | +1.2 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $211.2M | $187.1M | $99.7M | $23.6M | $421K | 0.80% | 3.12% | 0.26% | 10,474 |
| Q4 2025 | $205.5M | $181.7M | $101.1M | $23.2M | $1.7M | 0.84% | 3.16% | 0.31% | 10,437 |
| Q3 2025 | $203.2M | $179.8M | $99.4M | $22.7M | $1.3M | 0.83% | 3.17% | 0.32% | 10,421 |
| Q2 2025 | $201.4M | $178.4M | $98.1M | $22.4M | $921K | 0.91% | 3.13% | 0.22% | 10,369 |
| Q1 2025 | $199.8M | $177.3M | $98.1M | $21.9M | $406K | 0.81% | 3.09% | 0.49% | 10,318 |
| Q4 2024 | $192.3M | $170.3M | $97.9M | $21.5M | $1.9M | 0.98% | 3.17% | 0.51% | 10,298 |
| Q3 2024 | $190.7M | $169.0M | $97.7M | $21.1M | $1.5M | 1.04% | 3.20% | 0.37% | 10,314 |
| Q2 2024 | $187.4M | $166.0M | $95.9M | $20.6M | $997K | 1.06% | 3.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.19% |
| 10,303 |
Loan mix (Q1 2026): real estate $57.9M · commercial $3.0M · consumer $30.6M · securities $71.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 78.7% | 43rd |
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 1 county across 1 state (+0 vs 2024). Biggest market: Androscoggin, ME, ranked 8th with 5.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Androscoggin, ME | 2 | $178.4M* | 5.49% | 8th |
Maine: 48th with 0.31% · Lewiston-Auburn metro: 8th, 5.49% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2