Augusta, ME · Charter 1133
NCUA · 2 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
23
Asset Quality
13
Profitability
69
Liquidity
78
Efficiency
56
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.
Augusta, ME · Charter 1133
NCUA · 2 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 | 0.32% | 0.40% | 0.38% | 2.28% | 1.07% | +75 bps | |
| Return on Equity | 3.17% | 3.92% | 3.67% | 22.31% | 10.44% | +727 bps | |
| Net Interest Margin | 3.94% | 3.94% | 3.97% | 3.70% | 3.88% | -6 bps | |
| Efficiency Ratio | 87.95% | 86.02% | 85.90% | 64.57% | 76.15% | -1,180 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.08% | 4.99% | 5.25% | 6.90% | 6.67% | +359 bps | |
| Loan Growth (YoY) | 9.93% | 9.01% | 7.49% | 6.76% | 2.45% | -748 bps | |
| Share Growth (YoY) | 3.28% | 5.19% | 5.59% | 6.72% | 6.77% | +349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 1.86% | 1.02% | 0.97% | 2.06% | +120 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 | 10.16% | 10.14% | 10.22% | 10.20% | 10.24% | +8 bps | |
| Net Worth / Assets | 10.16% | 10.14% | 10.22% | 10.20% | 10.24% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.40% | 76.12% | 77.23% | 73.06% | 74.27% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Augusta, ME · Charter 1133 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.07%
Rank 520 of 1,683
Net Interest Margin
3.88%
Rank 787 of 1,683
Efficiency Ratio
76.16%
Rank 737 of 1,682
Equity / Assets
10.24%
Rank 1,298 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 520 / 1,683 | |
| Return on Equity | 10.45% | 2.67% | 5.89% | 8.74% | Beats 86% | 240 / 1,681 | |
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 787 / 1,683 | |
| Efficiency Ratio | 76.16% | 68.91% | 78.20% | 86.93% | Beats 56% | 737 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.06% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,457 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.24% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,298 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.24% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,298 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.27% | 52.61% | 69.38% | 83.50% | 59th pctl | 690 / 1,683 | |
| Loans / Assets | 66.18% | 44.71% | 59.18% | 70.72% | 65th pctl | 591 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||