Seaboard
Bucksport, ME · Charter 4118 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$246.4MAssets
$145.6MLoans
$220.9MShares
$21.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 67% of credit unions under $1B in assets (rank 553 of 1681).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1517 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |