Lewiston, ME · Charter 5144
NCUA · 1 branch
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
31
Asset Quality
45
Profitability
27
Liquidity
66
Efficiency
18
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.
Lewiston, ME · Charter 5144
NCUA · 1 branch
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 | 0.97% | 0.85% | 0.78% | 0.78% | 0.64% | 0.50% | 0.19% | 0.05% | -73 bps | |
| Return on Equity | 8.27% | 7.14% | 7.10% | 7.20% | 5.99% | 4.58% | 1.70% | 0.48% | -672 bps | |
| Net Interest Margin | 3.82% | 3.87% | 3.55% | 3.58% | 3.59% | 3.71% | 3.87% | 3.88% | +30 bps | |
| Efficiency Ratio | 78.42% | 80.64% | 80.91% | 78.55% | 81.28% | 85.39% | 87.76% | 89.78% | +1,123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.33% | 6.30% | 11.24% | 14.16% | 15.21% | 14.31% | 2.01% | -0.02% | -1,417 bps | |
| Loan Growth (YoY) | 5.94% | 6.24% | 7.56% | 9.30% | 6.17% | 6.89% | 6.14% | 6.81% | -249 bps | |
| Share Growth (YoY) | 11.72% | 6.36% | 12.20% | 15.43% | 16.50% | 15.78% | 1.93% | -0.13% | -1,557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.09% | 0.38% | 0.43% | 0.68% | 0.47% | 0.80% | 0.76% | +33 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 | 11.71% | 11.92% | 11.01% | 10.88% | 10.75% | 10.83% | 11.06% | 10.93% | +5 bps | |
| Net Worth / Assets | 11.71% | 11.92% | 11.01% | 10.88% | 10.75% | 10.83% | 11.06% | 10.93% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.60% | 80.25% | 72.49% | 72.11% | 70.73% | 74.09% | 75.48% | 77.12% | +501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lewiston, ME · Charter 5144 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.05%
Rank 1,463 of 1,683
Net Interest Margin
3.88%
Rank 781 of 1,683
Efficiency Ratio
89.72%
Rank 1,375 of 1,682
Equity / Assets
10.93%
Rank 1,167 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.05% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,463 / 1,683 | ||
| Return on Equity | 0.47% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,458 / 1,681 | ||
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 54% | 781 / 1,683 | ||
| Efficiency Ratio | 89.72% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,375 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.26% | 0.65% | 1.29% | Beats 45% | 931 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.93% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,167 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.93% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,167 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.12% | 52.61% | 69.38% | 83.50% | 64th pctl | 601 / 1,683 | ||
| Loans / Assets | 68.48% | 44.71% | 59.18% | 70.72% | 70th pctl | 498 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||