Bangor, ME · Charter 10939
NCUA · 4 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
8
Asset Quality
55
Profitability
59
Liquidity
90
Efficiency
75
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.
Bangor, ME · Charter 10939
NCUA · 4 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 | 0.76% | 0.78% | 0.83% | 0.84% | 1.03% | +27 bps | |
| Return on Equity | 9.23% | 9.34% | 9.79% | 9.96% | 11.80% | +257 bps | |
| Net Interest Margin | 2.90% | 2.92% | 2.93% | 3.02% | 3.17% | +27 bps | |
| Efficiency Ratio | 73.77% | 73.30% | 72.71% | 71.68% | 68.91% | -486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.90% | 7.60% | 4.77% | 6.27% | 5.63% | -527 bps | |
| Loan Growth (YoY) | 3.66% | 2.86% | -1.03% | -1.09% | -0.03% | -368 bps | |
| Share Growth (YoY) | 11.00% | 7.45% | 4.29% | 5.78% | 5.05% | -595 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.34% | 0.41% | 0.31% | 0.57% | +28 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 | 8.19% | 8.34% | 8.46% | 8.47% | 8.70% | +51 bps | |
| Net Worth / Assets | 8.19% | 8.34% | 8.46% | 8.47% | 8.70% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.68% | 69.68% | 67.23% | 65.44% | 66.31% | -337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bangor, ME · Charter 10939 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.03%
Rank 573 of 1,683
Net Interest Margin
3.17%
Rank 1,354 of 1,683
Efficiency Ratio
68.91%
Rank 421 of 1,682
Equity / Assets
8.69%
Rank 1,544 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 573 / 1,683 | |
| Return on Equity | 11.80% | 2.67% | 5.89% | 8.74% | Beats 91% | 153 / 1,681 | |
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,354 / 1,683 | |
| Efficiency Ratio | 68.91% | 68.91% | 78.20% | 86.93% | Beats 75% | 421 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.26% | 0.65% | 1.29% | Beats 55% | 760 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.70% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,544 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.69% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,544 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.31% | 52.61% | 69.38% | 83.50% | 44th pctl | 944 / 1,683 | |
| Loans / Assets | 60.43% | 44.71% | 59.18% | 70.72% | 53rd pctl | 793 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||