| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.8% | +1.9 pts |
| Share growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| ROA | 0.49% | 0.62% | -0.1 pts |
| ROE | 6.4% | 5.9% | +0.4 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $852.0M | $759.7M | $656.4M | $66.1M | $1.1M | 0.49% | 3.66% | 0.99% | 42,905 |
| Q4 2025 | $845.7M | $754.5M | $661.8M | $65.3M | $3.5M | 0.41% | 3.61% | 1.23% | 42,588 |
| Q3 2025 | $837.8M | $749.3M | $662.8M | $64.1M | $2.3M | 0.36% | 3.61% | 1.56% | 42,637 |
| Q2 2025 | $816.2M | $729.1M | $657.9M | $62.7M | $856K | 0.21% | 3.64% | 1.19% | 42,223 |
| Q1 2025 | $798.6M | $711.7M | $642.7M | $62.1M | $297K | 0.15% | 3.66% | 0.47% | 41,457 |
| Q4 2024 | $792.2M | $706.3M | $636.4M | $62.1M | $3.9M | 0.50% | 3.50% | 0.73% | 41,292 |
| Q3 2024 | $792.7M | $707.6M | $611.1M | $61.5M | $3.4M | 0.57% | 3.43% | 0.50% | 40,967 |
| Q2 2024 | $785.4M | $701.0M | $595.4M | $60.4M | $2.3M | 0.58% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.62% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 40,222 |
Loan mix (Q1 2026): real estate $321.5M · commercial $60.7M · consumer $194.1M · securities $65.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 78.3% | 69th |
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.
12 branches in 5 counties across 1 state (+1 vs 2024). Biggest market: Penobscot, ME, ranked 5th with 6.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Penobscot, ME | 7 | $425.3M* | 6.36% | 5th |
| Hancock, ME | 2 | $121.5M* | 3.86% | 7th |
| Piscataquis, ME | 1 | $60.8M* | 14.61% | 4th |
| 2 more counties with Pro → | ||||
Maine: 20th with 1.25% · Bangor metro: 5th, 6.36% · Portland-South Portland metro: 36th, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 12