South Portland, ME · Charter 17436
NCUA · 1 branch
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
20
Asset Quality
40
Profitability
13
Liquidity
70
Efficiency
9
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.
South Portland, ME · Charter 17436
NCUA · 1 branch
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 | 0.06% | 0.17% | 0.60% | 0.69% | 0.58% | 0.45% | 0.28% | 0.06% | -64 bps | |
| Return on Equity | 0.65% | 1.77% | 6.22% | 6.86% | 5.75% | 4.42% | 2.87% | 0.56% | -630 bps | |
| Net Interest Margin | 2.48% | 2.64% | 3.04% | 3.11% | 3.03% | 3.03% | 2.76% | 2.92% | -18 bps | |
| Efficiency Ratio | 96.62% | 92.75% | 82.09% | 79.57% | 82.73% | 86.74% | 86.88% | 97.20% | +1,762 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -2.55% | -3.01% | -4.36% | 0.17% | 0.43% | 3.12% | 2.49% | +685 bps | |
| Loan Growth (YoY) | -3.80% | 1.97% | -1.15% | -4.59% | 0.09% | -5.61% | -3.07% | -5.26% | -66 bps | |
| Share Growth (YoY) | -5.00% | -3.06% | -3.79% | -7.80% | -0.43% | 0.03% | 3.02% | 4.70% | +1,251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.18% | 0.03% | 0.00% | 0.81% | 0.84% | 0.86% | 0.88% | +88 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 | 9.53% | 9.72% | 9.72% | 10.12% | 10.07% | 10.13% | 9.77% | 10.02% | -10 bps | |
| Net Worth / Assets | 9.53% | 9.72% | 9.72% | 10.12% | 10.07% | 10.13% | 9.77% | 10.02% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.71% | 67.39% | 62.67% | 66.43% | 65.05% | 63.59% | 58.97% | 60.11% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Portland, ME · Charter 17436 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.06%
Rank 1,461 of 1,683
Net Interest Margin
2.92%
Rank 1,488 of 1,683
Efficiency Ratio
97.21%
Rank 1,532 of 1,682
Equity / Assets
10.02%
Rank 1,338 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.06% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,461 / 1,683 | ||
| Return on Equity | 0.57% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,454 / 1,681 | ||
| Net Interest Margin | 2.92% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,488 / 1,683 | ||
| Efficiency Ratio | 97.21% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,532 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.87% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,017 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.02% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,338 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.02% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,338 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.11% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,097 / 1,683 | ||
| Loans / Assets | 53.67% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,008 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||