Lincoln Maine
Lincoln, ME · Charter 17362 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$162.8MAssets
$116.5MLoans
$142.6MShares
$19.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets (rank 31 of 1681).
- Widest gap: nonperforming loans / loans trails 69% of credit unions under $1B in assets (rank 1164 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.97%
Rank 83 of 1,683
Net Interest Margin
3.76%
Rank 895 of 1,683
Efficiency Ratio
51.30%
Rank 72 of 1,682
Equity / Assets
12.11%
Rank 976 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.35% | 0.74% | 1.18% | Beats 95% | 83 / 1,683 | |
| Return on Equity | 16.29% | 2.67% | 5.89% | 8.74% | Beats 98% | 31 / 1,681 | |
| Net Interest Margin | 3.76% | 3.31% | 3.82% | 4.32% | Beats 47% | 895 / 1,683 | |
| Efficiency Ratio | 51.30% | 68.91% | 78.20% | 86.93% | Beats 96% | 72 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,164 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.11% | 10.44% | 12.89% | 16.53% | Beats 42% | 976 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.11% | 10.44% | 12.89% | 16.53% | Beats 42% | 976 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 81.73% | 52.61% | 69.38% | 83.50% | 72nd pctl | 463 / 1,683 | |
| Loans / Assets | 71.56% | 44.71% | 59.18% | 70.72% | 77th pctl | 391 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |