Acadia
Fort Kent, ME · Charter 15619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$412.8MAssets
$351.1MLoans
$358.6MShares
$45.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 55% of credit unions under $1B in assets (rank 756 of 1683).
- Widest gap: nonperforming loans / loans trails 71% of credit unions under $1B in assets (rank 1189 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |