Bucksport, ME · Charter 4118
NCUA · 3 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
10
Asset Quality
23
Profitability
45
Liquidity
89
Efficiency
52
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.
Bucksport, ME · Charter 4118
NCUA · 3 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 | 0.34% | 0.38% | 0.54% | 0.53% | 0.50% | 0.58% | 0.54% | 0.69% | +16 bps | |
| Return on Equity | 3.86% | 4.36% | 6.26% | 6.05% | 5.76% | 6.53% | 6.13% | 7.71% | +166 bps | |
| Net Interest Margin | 2.82% | 2.88% | 3.02% | 3.10% | 3.11% | 3.13% | 3.22% | 3.27% | +18 bps | |
| Efficiency Ratio | 84.83% | 83.16% | 84.43% | 81.74% | 82.26% | 81.15% | 81.05% | 77.60% | -413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.93% | 8.51% | 8.13% | 7.06% | 5.62% | 5.84% | 4.72% | 6.13% | -93 bps | |
| Loan Growth (YoY) | 6.86% | 5.08% | 4.21% | 1.57% | 0.64% | 1.05% | 1.24% | 2.71% | +114 bps | |
| Share Growth (YoY) | 8.94% | 8.87% | 8.04% | 7.18% | 5.25% | 5.46% | 4.64% | 6.17% | -102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.06% | 0.74% | 1.07% | 1.47% | 1.67% | 0.84% | 1.42% | +35 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 | 8.70% | 8.76% | 8.63% | 8.75% | 8.74% | 8.86% | 8.81% | 8.90% | +15 bps | |
| Net Worth / Assets | 8.70% | 8.76% | 8.63% | 8.75% | 8.74% | 8.86% | 8.81% | 8.90% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.99% | 70.20% | 67.80% | 68.11% | 67.88% | 67.27% | 65.60% | 65.89% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bucksport, ME · Charter 4118 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.69%
Rank 906 of 1,683
Net Interest Margin
3.27%
Rank 1,288 of 1,683
Efficiency Ratio
77.61%
Rank 812 of 1,682
Equity / Assets
8.90%
Rank 1,517 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 46% | 906 / 1,683 | ||
| Return on Equity | 7.71% | 2.67% | 5.89% | 8.74% | Beats 67% | 553 / 1,681 | ||
| Net Interest Margin | 3.27% | 3.31% | 3.82% | 4.32% | Beats 23% | 1,288 / 1,683 | ||
| Efficiency Ratio | 77.61% | 68.91% | 78.20% | 86.93% | Beats 52% | 812 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,299 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.90% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,517 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.90% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,517 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.89% | 52.61% | 69.38% | 83.50% | 43rd pctl | 954 / 1,683 | ||
| Loans / Assets | 59.08% | 44.71% | 59.18% | 70.72% | 50th pctl | 844 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||