South Portland, ME · Charter 4281
NCUA · 12 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
58
Profitability
27
Liquidity
74
Efficiency
10
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 4281
NCUA · 12 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 | 0.23% | 0.26% | 0.16% | 0.41% | 0.43% | 0.46% | 0.33% | 0.60% | +19 bps | |
| Return on Equity | 2.16% | 2.42% | 1.53% | 3.84% | 3.99% | 4.08% | 3.02% | 5.56% | +172 bps | |
| Net Interest Margin | 2.43% | 2.45% | 2.61% | 2.71% | 2.78% | 2.94% | 3.05% | 2.96% | +25 bps | |
| Efficiency Ratio | 90.01% | 89.32% | 91.88% | 86.35% | 86.17% | 86.04% | 88.72% | 82.81% | -354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.50% | -5.86% | -6.24% | 1.92% | 1.75% | -1.59% | -1.19% | 4.18% | +226 bps | |
| Loan Growth (YoY) | -1.94% | -3.74% | -3.96% | -2.02% | -0.89% | 0.20% | 1.26% | 8.96% | +1,098 bps | |
| Share Growth (YoY) | 1.78% | 2.72% | 1.57% | 1.16% | 1.30% | 0.16% | 0.90% | 2.77% | +161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.59% | 0.31% | 0.46% | 0.47% | 0.69% | 0.30% | 0.61% | +15 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 | 10.53% | 10.59% | 10.45% | 10.67% | 10.75% | 11.22% | 11.06% | 10.78% | +10 bps | |
| Net Worth / Assets | 10.53% | 10.59% | 10.45% | 10.67% | 10.75% | 11.22% | 11.06% | 10.78% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.68% | 78.21% | 76.02% | 77.61% | 77.96% | 78.23% | 76.29% | 82.28% | +468 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 4281 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
Return on Assets
0.60%
Rank 309 of 435
Net Interest Margin
2.96%
Rank 340 of 435
Efficiency Ratio
82.81%
Rank 393 of 435
Equity / Assets
10.78%
Rank 230 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.55% | 0.81% | 1.14% | Beats 29% | 309 / 435 | ||
| Return on Equity | 5.56% | 5.12% | 7.41% | 9.70% | Beats 31% | 302 / 435 | ||
| Net Interest Margin | 2.96% | 3.01% | 3.39% | 3.75% | Beats 22% | 340 / 435 | ||
| Efficiency Ratio | 82.81% | 65.25% | 71.39% | 77.86% | Beats 10% | 393 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.45% | 0.69% | 1.05% | Beats 58% | 183 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.78% | 9.81% | 10.84% | 12.63% | Beats 47% | 230 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.78% | 9.81% | 10.84% | 12.63% | Beats 47% | 230 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.28% | 78.33% | 88.38% | 95.61% | 34th pctl | 286 / 435 | ||
| Loans / Assets | 71.06% | 67.69% | 74.58% | 80.80% | 36th pctl | 278 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||