Presque Isle, ME · Charter 10794
NCUA · 9 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
28
Asset Quality
54
Profitability
33
Liquidity
37
Efficiency
35
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.
Presque Isle, ME · Charter 10794
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.61% | 0.62% | 0.47% | 0.50% | 0 bps | |
| Return on Equity | 4.55% | 5.50% | 5.55% | 4.31% | 4.68% | +13 bps | |
| Net Interest Margin | 3.36% | 3.43% | 3.40% | 3.32% | 3.34% | -2 bps | |
| Efficiency Ratio | 85.35% | 82.80% | 82.49% | 85.13% | 83.22% | -213 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.25% | 4.30% | 5.79% | 6.58% | 8.41% | +416 bps | |
| Loan Growth (YoY) | 2.30% | 2.45% | 2.17% | 2.10% | 7.03% | +473 bps | |
| Share Growth (YoY) | 4.30% | 3.99% | 6.03% | 6.57% | 8.73% | +442 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.65% | 0.60% | 0.49% | 0.58% | +13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.00% | 11.15% | 11.09% | 10.81% | 10.73% | -27 bps | |
| Net Worth / Assets | 11.00% | 11.15% | 11.09% | 10.81% | 10.73% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.09% | 86.16% | 83.59% | 79.50% | 83.76% | -133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Presque Isle, ME · Charter 10794 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.50%
Rank 1,134 of 1,683
Net Interest Margin
3.34%
Rank 1,251 of 1,683
Efficiency Ratio
83.22%
Rank 1,100 of 1,682
Equity / Assets
10.73%
Rank 1,209 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,134 / 1,683 | |
| Return on Equity | 4.68% | 2.67% | 5.89% | 8.74% | Beats 41% | 989 / 1,681 | |
| Net Interest Margin | 3.34% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,251 / 1,683 | |
| Efficiency Ratio | 83.22% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,100 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 777 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.73% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,209 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.73% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,209 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.76% | 52.61% | 69.38% | 83.50% | 76th pctl | 412 / 1,683 | |
| Loans / Assets | 74.20% | 44.71% | 59.18% | 70.72% | 82nd pctl | 307 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||