Augusta, ME · Charter 62976
NCUA · 2 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 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
33
Asset Quality
62
Profitability
34
Liquidity
9
Efficiency
25
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.
Augusta, ME · Charter 62976
NCUA · 2 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 | 1.09% | 1.13% | 0.67% | 0.76% | 0.95% | 0.88% | 0.98% | 0.51% | -25 bps | |
| Return on Equity | 10.03% | 10.27% | 6.29% | 7.03% | 8.67% | 7.90% | 8.81% | 4.64% | -240 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.10% | 3.23% | 3.32% | 3.36% | 3.27% | 3.36% | +13 bps | |
| Efficiency Ratio | 71.26% | 71.08% | 79.37% | 78.11% | 74.50% | 76.00% | 77.33% | 86.82% | +871 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | 2.36% | 5.58% | 6.55% | 8.98% | 6.34% | 4.32% | 4.47% | -208 bps | |
| Loan Growth (YoY) | -4.78% | -4.97% | -5.34% | -4.71% | -5.80% | -4.21% | -3.20% | 0.38% | +510 bps | |
| Share Growth (YoY) | -3.06% | 0.66% | 4.20% | 6.74% | 8.95% | 7.25% | 5.25% | 4.20% | -253 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 1.04% | 0.55% | 0.46% | 0.48% | 0.47% | 0.23% | 0.47% | +1 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 | 10.85% | 10.96% | 10.59% | 10.79% | 10.98% | 11.19% | 11.09% | 11.08% | +29 bps | |
| Net Worth / Assets | 10.85% | 10.96% | 10.59% | 10.79% | 10.98% | 11.19% | 11.09% | 11.08% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.01% | 46.90% | 43.18% | 42.96% | 41.51% | 41.89% | 39.71% | 41.39% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Augusta, ME · Charter 62976 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.51%
Rank 1,121 of 1,683
Net Interest Margin
3.36%
Rank 1,232 of 1,683
Efficiency Ratio
86.83%
Rank 1,255 of 1,682
Equity / Assets
11.08%
Rank 1,135 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,121 / 1,683 | ||
| Return on Equity | 4.64% | 2.67% | 5.89% | 8.74% | Beats 41% | 998 / 1,681 | ||
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,232 / 1,683 | ||
| Efficiency Ratio | 86.83% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,255 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.26% | 0.65% | 1.29% | Beats 62% | 644 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.08% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,135 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.08% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,135 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.39% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,475 / 1,683 | ||
| Loans / Assets | 36.53% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,433 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||