Norstate Federal Credit Union
Total assets
$280.4M
▲ +0.9% YoY
Shares & deposits
$246.4M
▲ +2.0% YoY
Loans
$190.2M
▲ +4.2% YoY
Members
14,075
▼ -1.1% YoY
ROA (annualized)
0.40%
peers 0.69%
ROE (annualized)
3.46%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | +2.0% | +3.3% | -1.3 pts |
| Loan growth (YoY) | +4.2% | +2.9% | +1.3 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 3.5% | 5.9% | -2.5 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
Profile
- Established
- 1941
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 78 Fox St, Madawaska, ME, 04756
- NCUA charter #
- 4261
- RSSD ID
- 351672
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $280.4M | $246.4M | $190.2M | $32.0M | $277K | 0.40% | 3.62% | 1.46% | 14,075 |
| Q4 2025 | $277.7M | $242.4M | $192.6M | $31.7M | $-368K | -0.13% | 3.38% | 1.79% | 14,140 |
| Q3 2025 | $274.7M | $239.9M | $191.3M | $31.9M | $-531K | -0.26% | 3.36% | 2.04% | 14,200 |
| Q2 2025 | $278.2M | $244.3M | $187.9M | $32.1M | $-416K | -0.30% | 3.25% | 2.11% | 14,240 |
| Q1 2025 | $277.9M | $241.6M | $182.4M | $32.3M | $-211K | -0.30% | 3.13% | 1.52% | 14,232 |
| Q4 2024 | $267.4M | $230.8M | $185.3M | $32.5M | $-1.3M | -0.49% | 3.13% | 1.71% | 14,251 |
| Q3 2024 | $262.5M | $226.9M | $184.7M | $33.2M | $-917K | -0.47% | 3.16% | 1.86% | 14,300 |
| Q2 2024 | $261.3M | $225.2M | $182.9M | $33.4M | $-743K | -0.57% | 3.13% | 1.82% | 14,486 |
Loan mix (Q1 2026): real estate $97.1M · commercial $32.5M · consumer $51.4M · securities $55.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 78.7% | 84th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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