| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.1% | +3.2 pts |
| Share growth (YoY) | +7.1% | +3.5% | +3.5 pts |
| Loan growth (YoY) | +9.5% | +2.9% | +6.6 pts |
| ROA | 1.26% | 0.74% | +0.5 pts |
| ROE | 7.8% | 6.5% | +1.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $300.3M | $250.1M | $137.1M | $48.4M | $1.9M | 1.26% | 2.97% | 1.56% | 12,571 |
| Q1 2026 | $296.3M | $247.4M | $134.2M | $47.4M | $920K | 1.24% | 2.91% | 1.25% | 12,477 |
| Q4 2025 | $288.4M | $239.9M | $134.3M | $46.5M | $4.3M | 1.48% | 3.00% | 1.38% | 12,370 |
| Q3 2025 | $283.2M | $235.8M | $131.6M | $45.3M | $3.1M | 1.45% | 3.00% | 1.05% | 12,371 |
| Q2 2025 | $279.7M | $233.5M | $125.2M | $44.4M | $2.1M | 1.51% | 2.96% | 0.84% | 12,148 |
| Q1 2025 | $274.3M | $229.3M | $117.5M | $43.4M | $1.1M | 1.65% | 2.88% | 0.70% | 11,887 |
| Q4 2024 | $263.6M | $219.0M | $112.5M | $42.3M | $3.9M | 1.50% | 2.74% | 0.69% | 11,637 |
| Q3 2024 | $257.4M | $214.1M | $107.7M | $41.1M | $2.8M | 1.47% | 2.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.74% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 6.5% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 11,514 |
| Q2 2024 | $254.7M | $213.1M | $102.6M | $40.1M | $1.8M | 1.42% | 2.68% | 0.79% | 11,408 |
Loan mix (Q2 2026): real estate $41.2M · commercial $0 · consumer $83.0M · securities $131.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 77.5% | 11th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Franklin, ME, ranked 2nd with 20.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, ME | 1 | $250.1M* | 20.55% | 2nd |
Maine: 40th with 0.43% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1