Hampden, ME · Charter 14565
NCUA · 12 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
3
Asset Quality
18
Profitability
52
Liquidity
32
Efficiency
51
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.
Hampden, ME · Charter 14565
NCUA · 12 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 | 0.21% | 0.36% | 0.41% | 0.49% | 0.65% | +44 bps | |
| Return on Equity | 2.73% | 4.72% | 5.34% | 6.37% | 8.20% | +547 bps | |
| Net Interest Margin | 3.64% | 3.61% | 3.61% | 3.66% | 3.69% | +5 bps | |
| Efficiency Ratio | 85.32% | 83.84% | 82.87% | 82.41% | 77.95% | -738 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.91% | 5.69% | 6.75% | 6.69% | 5.14% | +122 bps | |
| Loan Growth (YoY) | 10.49% | 8.47% | 3.99% | 2.13% | -1.58% | -1,207 bps | |
| Share Growth (YoY) | 4.01% | 5.90% | 6.83% | 6.75% | 4.76% | +75 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 1.56% | 1.23% | 0.99% | 1.69% | +50 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 | 7.68% | 7.65% | 7.73% | 7.76% | 7.91% | +23 bps | |
| Net Worth / Assets | 7.68% | 7.65% | 7.73% | 7.76% | 7.91% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.23% | 88.45% | 87.72% | 86.40% | 84.77% | -546 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hampden, ME · Charter 14565 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
Return on Assets
0.65%
Rank 952 of 1,683
Net Interest Margin
3.69%
Rank 958 of 1,683
Efficiency Ratio
77.95%
Rank 829 of 1,682
Equity / Assets
7.91%
Rank 1,626 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 43% | 952 / 1,683 | |
| Return on Equity | 8.20% | 2.67% | 5.89% | 8.74% | Beats 71% | 489 / 1,681 | |
| Net Interest Margin | 3.69% | 3.31% | 3.82% | 4.32% | Beats 43% | 958 / 1,683 | |
| Efficiency Ratio | 77.95% | 68.91% | 78.20% | 86.93% | Beats 51% | 829 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.69% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,387 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,626 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,626 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.77% | 52.61% | 69.38% | 83.50% | 77th pctl | 380 / 1,683 | |
| Loans / Assets | 75.46% | 44.71% | 59.18% | 70.72% | 84th pctl | 269 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||