Madison, ME · Charter 15159
NCUA · 6 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
50
Asset Quality
45
Profitability
69
Liquidity
39
Efficiency
73
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.
Madison, ME · Charter 15159
NCUA · 6 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.88% | 0.91% | 1.09% | 1.09% | 0.97% | 1.16% | 1.20% | +11 bps | |
| Return on Equity | 8.79% | 7.03% | 7.38% | 8.61% | 8.56% | 7.57% | 9.31% | 9.27% | +66 bps | |
| Net Interest Margin | 3.84% | 3.72% | 3.75% | 3.93% | 3.88% | 3.73% | 3.72% | 3.84% | -9 bps | |
| Efficiency Ratio | 72.57% | 76.29% | 75.26% | 72.47% | 72.34% | 74.55% | 69.63% | 70.09% | -238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 6.60% | 5.51% | 5.01% | 4.56% | 6.71% | 8.38% | 6.49% | +148 bps | |
| Loan Growth (YoY) | 3.30% | 2.25% | 3.01% | 3.90% | 3.63% | 1.96% | 0.16% | -0.96% | -486 bps | |
| Share Growth (YoY) | 6.39% | 6.64% | 5.57% | 4.47% | 3.99% | 6.39% | 8.01% | 6.38% | +192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.83% | 0.55% | 0.65% | 0.64% | 0.79% | 0.64% | 0.75% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.44% | 12.57% | 12.37% | 12.68% | 12.78% | 12.75% | 12.41% | 12.92% | +25 bps | |
| Net Worth / Assets | 12.44% | 12.57% | 12.37% | 12.68% | 12.78% | 12.75% | 12.41% | 12.92% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.62% | 54.07% | 52.71% | 54.32% | 53.44% | 51.82% | 48.88% | 50.58% | -375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, ME · Charter 15159 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.20%
Rank 405 of 1,683
Net Interest Margin
3.84%
Rank 826 of 1,683
Efficiency Ratio
70.08%
Rank 457 of 1,682
Equity / Assets
12.92%
Rank 837 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 405 / 1,683 | ||
| Return on Equity | 9.27% | 2.67% | 5.89% | 8.74% | Beats 79% | 356 / 1,681 | ||
| Net Interest Margin | 3.84% | 3.31% | 3.82% | 4.32% | Beats 51% | 826 / 1,683 | ||
| Efficiency Ratio | 70.08% | 68.91% | 78.20% | 86.93% | Beats 73% | 457 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 924 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.92% | 10.44% | 12.89% | 16.53% | Beats 50% | 837 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.92% | 10.44% | 12.89% | 16.53% | Beats 50% | 837 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.58% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,310 / 1,683 | ||
| Loans / Assets | 43.80% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,280 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||