Atlantic Regional
South Portland, ME · Charter 4281 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
$1.1BAssets
$806.8MLoans
$980.5MShares
$122.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 58% of credit unions $1B-$10B in assets (rank 183 of 435).
- Widest gap: efficiency ratio trails 90% of credit unions $1B-$10B in assets (rank 393 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |