University Credit Union
Total assets
$529.6M
▲ +2.9% YoY
Shares & deposits
$413.0M
▲ +2.7% YoY
Loans
$404.7M
▲ +1.6% YoY
Members
31,058
▼ -0.6% YoY
ROA (annualized)
0.50%
peers 0.62%
ROE (annualized)
5.30%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.8% | -1.9 pts |
| Share growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +1.6% | +4.3% | -2.7 pts |
| ROA | 0.50% | 0.62% | -0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
Profile
- Established
- 1967
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 15 Main St, Orono, ME, 04473
- NCUA charter #
- 63133
- RSSD ID
- 306597
- 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 | $529.6M | $413.0M | $404.7M | $49.6M | $658K | 0.50% | 3.46% | 0.28% | 31,058 |
| Q4 2025 | $526.6M | $402.4M | $409.5M | $49.0M | $2.5M | 0.48% | 3.32% | 0.39% | 31,566 |
| Q3 2025 | $517.6M | $397.6M | $405.1M | $48.4M | $2.0M | 0.50% | 3.33% | 0.49% | 31,600 |
| Q2 2025 | $511.4M | $399.4M | $398.1M | $47.7M | $1.3M | 0.50% | 3.30% | 0.30% | 31,252 |
| Q1 2025 | $514.9M | $401.9M | $398.3M | $46.8M | $380K | 0.29% | 3.19% | 0.16% | 31,252 |
| Q4 2024 | $508.2M | $391.3M | $404.4M | $46.5M | $1.0M | 0.20% | 3.03% | 0.34% | 31,222 |
| Q3 2024 | $498.0M | $385.2M | $404.6M | $47.2M | $831K | 0.22% | 3.05% | 0.34% | 31,191 |
| Q2 2024 | $474.5M | $361.7M | $382.2M | $44.2M | $654K | 0.28% | 2.87% | 0.20% | 28,994 |
Loan mix (Q1 2026): real estate $274.6M · commercial $15.9M · consumer $99.6M · securities $66.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | University Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.62% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.48% | 48th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 78.3% | 81th | |
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 | University 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% |
Capital
| Ratio | University 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% |
Credit quality
| Ratio | University 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% |
Franchise
| Ratio | University 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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