Bangor
Bangor, ME · Charter 10939 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$293.2MAssets
$177.2MLoans
$267.2MShares
$25.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 91% of credit unions under $1B in assets (rank 153 of 1681).
- Widest gap: equity / assets trails 92% of credit unions under $1B in assets (rank 1544 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |