Waterville, ME · Charter 11253
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
4
Asset Quality
21
Profitability
51
Liquidity
0
Efficiency
30
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.
Waterville, ME · Charter 11253
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 | 0.31% | 0.49% | 0.54% | 0.33% | 0.54% | +22 bps | |
| Return on Equity | 3.85% | 6.12% | 6.90% | 4.24% | 6.77% | +292 bps | |
| Net Interest Margin | 4.03% | 4.00% | 3.92% | 3.89% | 3.97% | -6 bps | |
| Efficiency Ratio | 87.63% | 84.73% | 83.28% | 87.96% | 84.82% | -281 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.17% | 9.24% | 13.50% | 13.55% | 10.94% | +676 bps | |
| Loan Growth (YoY) | 4.71% | 10.02% | 12.87% | 15.24% | 12.17% | +747 bps | |
| Share Growth (YoY) | 2.39% | 4.05% | 8.78% | 13.47% | 9.58% | +719 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.65% | 1.23% | 1.50% | 1.16% | 1.54% | -11 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 | 8.14% | 7.97% | 7.88% | 7.83% | 7.93% | -20 bps | |
| Net Worth / Assets | 8.14% | 7.97% | 7.88% | 7.83% | 7.93% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.19% | 96.50% | 96.86% | 93.53% | 94.37% | +218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waterville, ME · Charter 11253 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.54%
Rank 1,086 of 1,683
Net Interest Margin
3.97%
Rank 694 of 1,683
Efficiency Ratio
84.82%
Rank 1,178 of 1,682
Equity / Assets
7.93%
Rank 1,624 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,086 / 1,683 | |
| Return on Equity | 6.77% | 2.67% | 5.89% | 8.74% | Beats 58% | 700 / 1,681 | |
| Net Interest Margin | 3.97% | 3.31% | 3.82% | 4.32% | Beats 59% | 694 / 1,683 | |
| Efficiency Ratio | 84.82% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,178 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.54% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,338 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.93% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,624 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.93% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,624 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.37% | 52.61% | 69.38% | 83.50% | 93rd pctl | 125 / 1,683 | |
| Loans / Assets | 80.94% | 44.71% | 59.18% | 70.72% | 93rd pctl | 117 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||