Fort Kent, ME · Charter 15619
NCUA · 9 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
33
Asset Quality
29
Profitability
43
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.
Fort Kent, ME · Charter 15619
NCUA · 9 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 | 0.98% | 0.99% | 0.91% | 0.80% | 0.93% | 0.90% | 0.40% | 0.50% | -30 bps | |
| Return on Equity | 9.00% | 8.84% | 8.37% | 7.23% | 8.35% | 8.04% | 3.58% | 4.55% | -269 bps | |
| Net Interest Margin | 3.61% | 3.69% | 3.72% | 3.86% | 3.92% | 3.91% | 3.84% | 3.91% | +5 bps | |
| Efficiency Ratio | 75.60% | 77.02% | 74.25% | 75.82% | 73.99% | 75.14% | 86.82% | 84.72% | +890 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.84% | 10.98% | 10.55% | 5.92% | 5.77% | 8.12% | 5.69% | 6.88% | +97 bps | |
| Loan Growth (YoY) | 7.98% | 7.67% | 9.81% | 11.01% | 12.60% | 12.42% | 9.65% | 9.03% | -198 bps | |
| Share Growth (YoY) | 16.15% | 11.08% | 10.57% | 5.56% | 5.20% | 8.01% | 5.68% | 5.14% | -42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 1.19% | 0.82% | 1.44% | 0.84% | 1.37% | 1.62% | 1.12% | -32 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 | 10.88% | 11.15% | 10.89% | 11.06% | 11.20% | 11.19% | 11.05% | 11.08% | +1 bps | |
| Net Worth / Assets | 10.88% | 11.15% | 10.89% | 11.06% | 11.20% | 11.19% | 11.05% | 11.08% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.38% | 91.46% | 89.82% | 94.40% | 95.68% | 95.20% | 93.20% | 97.89% | +349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Kent, ME · Charter 15619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.50%
Rank 1,132 of 1,683
Net Interest Margin
3.91%
Rank 756 of 1,683
Efficiency Ratio
84.73%
Rank 1,176 of 1,682
Equity / Assets
11.08%
Rank 1,136 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,132 / 1,683 | ||
| Return on Equity | 4.55% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,006 / 1,681 | ||
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 756 / 1,683 | ||
| Efficiency Ratio | 84.73% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,176 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,189 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.08% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,136 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.08% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,136 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.89% | 52.61% | 69.38% | 83.50% | 95th pctl | 77 / 1,683 | ||
| Loans / Assets | 85.04% | 44.71% | 59.18% | 70.72% | 97th pctl | 44 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||