Lewiston, ME · Charter 10221
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
62
Profitability
39
Liquidity
12
Efficiency
18
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lewiston, ME · Charter 10221
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.26% | 1.65% | 1.60% | 1.85% | 1.49% | 0.33% | 0.42% | -118 bps | |
| Return on Equity | 8.79% | 10.20% | 13.23% | 12.69% | 13.88% | 11.21% | 2.51% | 3.19% | -950 bps | |
| Net Interest Margin | 4.15% | 4.05% | 4.50% | 4.28% | 4.32% | 4.22% | 3.86% | 3.99% | -29 bps | |
| Efficiency Ratio | 77.23% | 73.66% | 69.77% | 69.35% | 65.30% | 70.58% | 92.59% | 90.19% | +2,084 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.93% | 2.37% | 3.80% | 5.75% | 7.14% | 4.76% | 3.97% | 2.47% | -328 bps | |
| Loan Growth (YoY) | 10.84% | 11.25% | 12.08% | 8.96% | 5.71% | 4.49% | 5.69% | 10.13% | +117 bps | |
| Share Growth (YoY) | -2.03% | 0.19% | 3.22% | 4.73% | 6.43% | 5.88% | 3.40% | 1.82% | -291 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.27% | 0.75% | 0.48% | 0.58% | 0.96% | 0.78% | 0.46% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.30% | 12.37% | 12.48% | 12.65% | 13.33% | 13.30% | 13.16% | 13.25% | +60 bps | |
| Net Worth / Assets | 12.30% | 12.37% | 12.48% | 12.65% | 13.33% | 13.30% | 13.16% | 13.25% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.43% | 40.61% | 39.29% | 39.13% | 40.16% | 40.07% | 40.17% | 42.33% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lewiston, ME · Charter 10221 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.42%
Rank 1,207 of 1,683
Net Interest Margin
3.99%
Rank 679 of 1,683
Efficiency Ratio
90.22%
Rank 1,386 of 1,682
Equity / Assets
13.25%
Rank 776 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,207 / 1,683 | ||
| Return on Equity | 3.18% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,190 / 1,681 | ||
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 60% | 679 / 1,683 | ||
| Efficiency Ratio | 90.22% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,386 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.65% | 1.29% | Beats 62% | 639 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.25% | 10.44% | 12.89% | 16.53% | Beats 54% | 776 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.25% | 10.44% | 12.89% | 16.53% | Beats 54% | 776 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.33% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,455 / 1,683 | ||
| Loans / Assets | 36.62% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,431 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||