Norstate
Madawaska, ME · Charter 4261 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$280.0MAssets
$193.6MLoans
$244.5MShares
$32.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 42% of credit unions under $1B in assets (rank 968 of 1683).
- Widest gap: nonperforming loans / loans trails 83% of credit unions under $1B in assets (rank 1399 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.50%
Rank 1,140 of 1,683
Net Interest Margin
3.68%
Rank 968 of 1,683
Efficiency Ratio
87.83%
Rank 1,300 of 1,682
Equity / Assets
11.59%
Rank 1,064 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,140 / 1,683 | | |
| Return on Equity | 4.28% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,055 / 1,681 | | |
| Net Interest Margin | 3.68% | 3.31% | 3.82% | 4.32% | Beats 42% | 968 / 1,683 | | |
| Efficiency Ratio | 87.83% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,300 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.75% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,399 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.59% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,064 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.59% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,064 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.19% | 52.61% | 69.38% | 83.50% | 68th pctl | 542 / 1,683 | | |
| Loans / Assets | 69.15% | 44.71% | 59.18% | 70.72% | 72nd pctl | 476 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |