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Augusta, ME · Charter 62976 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$133.9MAssets
$48.9MLoans
$118.2MShares
$14.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 62% of credit unions under $1B in assets (rank 644 of 1682).
- Widest gap: efficiency ratio trails 75% of credit unions under $1B in assets (rank 1255 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |