| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.8% | +2.8 pts |
| Share growth (YoY) | +7.5% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +12.5% | +4.3% | +8.2 pts |
| ROA | 0.21% | 0.62% | -0.4 pts |
| ROE | 2.1% | 5.9% | -3.8 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $787.8M | $698.7M | $591.2M | $78.2M | $407K | 0.21% | 3.22% | 0.82% | 37,537 |
| Q4 2025 | $779.2M | $691.0M | $570.9M | $77.8M | $2.3M | 0.29% | 3.05% | 1.14% | 37,275 |
| Q3 2025 | $753.3M | $666.0M | $552.2M | $77.8M | $2.2M | 0.39% | 3.10% | 1.26% | 37,266 |
| Q2 2025 | $752.2M | $667.8M | $524.2M | $76.9M | $1.3M | 0.35% | 3.04% | 1.26% | 36,985 |
| Q1 2025 | $732.1M | $650.1M | $525.4M | $76.2M | $613K | 0.34% | 3.09% | 1.01% | 36,803 |
| Q4 2024 | $701.6M | $618.8M | $518.4M | $75.6M | $1.1M | 0.15% | 2.89% | 1.10% | 36,829 |
| Q3 2024 | $678.3M | $616.6M | $499.4M | $75.2M | $679K | 0.13% | 2.90% | 1.01% | 37,150 |
| Q2 2024 | $686.8M | $628.7M | $470.4M | $74.6M | $33K | 0.01% | 2.76% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Maine State Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.62% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.93% |
| 36,879 |
Loan mix (Q1 2026): real estate $234.2M · commercial $113.6M · consumer $209.8M · securities $85.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 78.3% | 76th |
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 | Maine State Credit Union | 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 | Maine State Credit Union | 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 | Maine State Credit Union | 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 | Maine State Credit Union | 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.