Sabattus Regional Credit Union
Total assets
$85.8M
▲ +4.8% YoY
Shares & deposits
$76.8M
▲ +4.0% YoY
Loans
$37.2M
▲ +14.2% YoY
Members
4,728
▲ +3.1% YoY
ROA (annualized)
0.77%
peers 0.60%
ROE (annualized)
7.66%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.4 pts |
| Loan growth (YoY) | +14.2% | -2.4% | +16.6 pts |
| ROA | 0.77% | 0.60% | +0.2 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- P.O. Box 250, Sabattus, ME, 04280
- NCUA charter #
- 64062
- RSSD ID
- 249797
- 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 | $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% | 4,570 |
| Q2 2024 | $78.7M | $71.1M | $30.9M | $7.3M | $276K | 0.70% | 2.84% | 0.16% | 4,565 |
Loan mix (Q1 2026): real estate $17.1M · commercial $0 · consumer $17.7M · securities $39.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% | 27th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 81.5% | 49th | |
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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