| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.3 pts |
| Loan growth (YoY) | +15.6% | -2.6% | +18.2 pts |
| ROA | 0.81% | 0.65% | +0.2 pts |
| ROE | 7.9% | 4.4% | +3.5 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.2M | $75.9M | $39.2M | $8.8M | $346K | 0.81% | 3.37% | 0.76% | 4,777 |
| Q1 2026 | $85.8M | $76.8M | $37.2M | $8.6M | $164K | 0.77% | 3.28% | 1.00% | 4,728 |
| Q4 2025 | $84.8M | $76.0M | $35.4M | $8.4M | $845K | 1.00% | 3.17% | 0.63% | 4,672 |
| Q3 2025 | $83.0M | $74.3M | $34.4M | $8.2M | $632K | 1.02% | 3.20% | 0.62% | 4,658 |
| Q2 2025 | $83.3M | $75.0M | $33.9M | $8.0M | $384K | 0.92% | 3.09% | 0.34% | 4,649 |
| Q1 2025 | $81.8M | $73.8M | $32.6M | $7.7M | $152K | 0.74% | 3.04% | 0.37% | 4,586 |
| Q4 2024 | $79.5M | $71.7M | $31.2M | $7.6M | $582K | 0.73% | 2.98% | 0.19% | 4,561 |
| Q3 2024 | $78.9M | $71.1M | $30.7M | $7.4M | $441K | 0.75% | 2.94% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,570 |
| Q2 2024 | $78.7M | $71.1M | $30.9M | $7.3M | $276K | 0.70% | 2.84% | 0.16% | 4,565 |
Loan mix (Q2 2026): real estate $17.1M · commercial $0 · consumer $19.7M · securities $38.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 80.6% | 48th |
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: Androscoggin, ME, ranked 13th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Androscoggin, ME | 1 | $75.9M* | 2.28% | 13th |
Maine: 67th with 0.13% · Lewiston-Auburn metro: 13th, 2.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1