Bangor Hydro
Bangor, ME · Charter 17472 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
$26.2MAssets
$22.1MLoans
$24.2MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets (rank 168 of 1752).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets (rank 1683 of 1752).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.35%
Rank 1,583 of 1,753
Net Interest Margin
4.95%
Rank 168 of 1,752
Efficiency Ratio
99.20%
Rank 1,574 of 1,748
Equity / Assets
7.68%
Rank 1,683 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.35% | 0.23% | 0.68% | 1.19% | Beats 10% | 1,583 / 1,753 | |
| Return on Equity | -4.57% | 1.80% | 5.29% | 9.05% | Beats 7% | 1,620 / 1,750 | |
| Net Interest Margin | 4.95% | 2.98% | 3.54% | 4.20% | Beats 90% | 168 / 1,752 | |
| Efficiency Ratio | 99.20% | 69.58% | 78.86% | 88.33% | Beats 10% | 1,574 / 1,748 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.41% | 0.22% | 0.59% | 1.20% | Beats 21% | 1,390 / 1,748 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.68% | 9.91% | 12.21% | 15.57% | Beats 4% | 1,684 / 1,753 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.68% | 9.91% | 12.21% | 15.57% | Beats 4% | 1,683 / 1,752 | |
| Liquidity & Funding |
| Loans / Deposits | 91.06% | 55.88% | 73.01% | 86.61% | 83rd pctl | 295 / 1,750 | |
| Loans / Assets | 84.21% | 48.21% | 62.51% | 73.23% | 95th pctl | 84 / 1,752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |