| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.9% | +1.3 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +3.3% | +2.9% | +0.4 pts |
| ROA | 0.86% | 0.69% | +0.2 pts |
| ROE | 8.1% | 5.9% | +2.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $196.0M | $174.7M | $157.2M | $20.9M | $420K | 0.86% | 3.24% | 0.29% | 9,215 |
| Q4 2025 | $190.8M | $170.0M | $158.1M | $20.5M | $1.9M | 0.99% | 3.21% | 0.69% | 9,201 |
| Q3 2025 | $186.2M | $165.8M | $155.1M | $20.0M | $1.4M | 1.04% | 3.23% | 0.79% | 9,200 |
| Q2 2025 | $188.2M | $168.4M | $153.7M | $19.4M | $804K | 0.85% | 3.16% | 0.79% | 9,171 |
| Q1 2025 | $186.4M | $167.1M | $152.1M | $18.9M | $315K | 0.68% | 3.02% | 0.16% | 9,176 |
| Q4 2024 | $182.7M | $164.0M | $150.9M | $18.6M | $1.3M | 0.71% | 2.89% | 0.14% | 9,129 |
| Q3 2024 | $183.9M | $165.3M | $151.2M | $18.2M | $929K | 0.67% | 2.81% | 0.16% | 9,196 |
| Q2 2024 | $182.4M | $164.3M | $149.2M | $17.9M | $637K | 0.70% | 2.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Saco Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.69% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 9,196 |
Loan mix (Q1 2026): real estate $116.6M · commercial $10.4M · consumer $26.7M · securities $17.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 78.7% | 46th |
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 | Saco Valley 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 | Saco Valley Credit Union | 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 | Saco Valley 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 | Saco Valley 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 | Saco Valley 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.
3 branches in 1 county across 1 state (+0 vs 2024). Biggest market: York, ME, ranked 13th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| York, ME | 3 | $168.4M* | 2.38% | 13th |
Maine: 50th with 0.29% · Portland-South Portland metro: 26th, 0.62% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3