South Portland, ME · Charter 60646
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
84
Asset Quality
79
Profitability
55
Liquidity
49
Efficiency
94
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 60646
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 | 1.48% | 1.47% | 1.55% | 1.60% | 1.56% | 1.50% | 1.45% | 1.48% | -12 bps | |
| Return on Equity | 7.95% | 7.99% | 8.44% | 8.51% | 8.41% | 8.18% | 7.79% | 7.75% | -76 bps | |
| Net Interest Margin | 2.95% | 2.93% | 2.99% | 3.01% | 2.96% | 2.88% | 2.90% | 2.90% | -11 bps | |
| Efficiency Ratio | 55.90% | 55.44% | 53.64% | 52.63% | 52.72% | 53.49% | 54.46% | 53.72% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | 7.15% | 9.03% | 8.97% | 8.99% | 9.67% | 6.93% | 6.66% | -230 bps | |
| Loan Growth (YoY) | 4.04% | 3.30% | -0.53% | -2.03% | -2.95% | -4.63% | -4.01% | -4.90% | -288 bps | |
| Share Growth (YoY) | 1.21% | 8.00% | 12.58% | 12.54% | 11.44% | 13.26% | 7.82% | 7.44% | -510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.24% | 0.23% | 0.81% | 0.44% | 0.35% | 0.52% | 0.22% | -59 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 | 18.55% | 18.42% | 18.36% | 18.74% | 18.57% | 18.29% | 18.67% | 19.06% | +32 bps | |
| Net Worth / Assets | 18.55% | 18.42% | 18.36% | 18.74% | 18.57% | 18.29% | 18.67% | 19.06% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.27% | 64.52% | 59.94% | 60.73% | 58.58% | 54.33% | 53.36% | 53.75% | -698 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 60646 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.48%
Rank 257 of 1,683
Net Interest Margin
2.90%
Rank 1,501 of 1,683
Efficiency Ratio
53.69%
Rank 99 of 1,682
Equity / Assets
19.06%
Rank 270 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 0.35% | 0.74% | 1.18% | Beats 85% | 257 / 1,683 | ||
| Return on Equity | 7.75% | 2.67% | 5.89% | 8.74% | Beats 68% | 545 / 1,681 | ||
| Net Interest Margin | 2.90% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,501 / 1,683 | ||
| Efficiency Ratio | 53.69% | 68.91% | 78.20% | 86.93% | Beats 94% | 99 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 79% | 361 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.06% | 10.44% | 12.89% | 16.53% | Beats 84% | 270 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.06% | 10.44% | 12.89% | 16.53% | Beats 84% | 270 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.75% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,240 / 1,683 | ||
| Loans / Assets | 41.16% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,333 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||