| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +1.3% | +6.7 pts |
| Share growth (YoY) | +9.0% | +0.9% | +8.1 pts |
| Loan growth (YoY) | -10.0% | -2.6% | -7.4 pts |
| ROA | 0.38% | 0.65% | -0.3 pts |
| ROE | 2.5% | 4.4% | -1.9 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.0M | $5.9M | $4.2M | $1.1M | $13K | 0.38% | 3.60% | 2.04% | 884 |
| Q1 2026 | $6.7M | $5.6M | $4.3M | $1.1M | $12K | 0.72% | 3.77% | 1.30% | 883 |
| Q4 2025 | $6.6M | $5.5M | $4.4M | $1.1M | $19K | 0.29% | 3.79% | 0.75% | 888 |
| Q3 2025 | $6.6M | $5.5M | $4.5M | $1.1M | $18K | 0.37% | 3.83% | 0.14% | 890 |
| Q2 2025 | $6.5M | $5.4M | $4.7M | $1.1M | $7K | 0.21% | 3.86% | 1.65% | 902 |
| Q1 2025 | $6.5M | $5.4M | $4.6M | $1.1M | $7K | 0.40% | 3.95% | 2.50% | 912 |
| Q4 2024 | $6.6M | $5.5M | $4.6M | $1.1M | $55K | 0.84% | 3.81% | 1.82% | 922 |
| Q3 2024 | $6.5M | $5.5M | $4.4M | $1.0M | $45K | 0.91% | 3.79% | 0.31% | 925 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $6.4M |
| $5.4M |
| $4.2M |
| $1.0M |
| $23K |
| 0.73% |
| 3.79% |
| 0.32% |
| 926 |
Loan mix (Q2 2026): real estate $1.7M · commercial $0 · consumer $2.2M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 80.6% | 59th |
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 2025). Biggest market: Cumberland, ME, ranked 44th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cumberland, ME | 2 | $5.9M* | 0.03% | 44th |
Maine: 80th with 0.01% · Portland-South Portland metro: 51st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2