Orono, ME · Charter 63133
NCUA · 9 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
13
Asset Quality
52
Profitability
38
Liquidity
0
Efficiency
27
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.
Orono, ME · Charter 63133
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.50% | 0.48% | 0.50% | 0.54% | +4 bps | |
| Return on Equity | 5.34% | 5.37% | 5.15% | 5.30% | 5.77% | +43 bps | |
| Net Interest Margin | 3.30% | 3.33% | 3.32% | 3.46% | 3.44% | +13 bps | |
| Efficiency Ratio | 86.48% | 86.50% | 86.77% | 86.23% | 86.16% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.78% | 3.92% | 3.62% | 2.85% | 5.29% | -249 bps | |
| Loan Growth (YoY) | 4.15% | 0.14% | 1.27% | 1.62% | 2.93% | -123 bps | |
| Share Growth (YoY) | 10.41% | 3.20% | 2.83% | 2.74% | 2.49% | -792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.49% | 0.39% | 0.28% | 0.61% | +30 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.33% | 9.35% | 9.30% | 9.37% | 9.37% | +3 bps | |
| Net Worth / Assets | 9.33% | 9.35% | 9.30% | 9.37% | 9.37% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.69% | 101.91% | 101.77% | 98.01% | 100.11% | +42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orono, ME · Charter 63133 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.54%
Rank 1,082 of 1,683
Net Interest Margin
3.44%
Rank 1,172 of 1,683
Efficiency Ratio
86.15%
Rank 1,231 of 1,682
Equity / Assets
9.37%
Rank 1,457 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,082 / 1,683 | |
| Return on Equity | 5.77% | 2.67% | 5.89% | 8.74% | Beats 49% | 860 / 1,681 | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,172 / 1,683 | |
| Efficiency Ratio | 86.15% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,231 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.26% | 0.65% | 1.29% | Beats 52% | 804 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.37% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,457 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.37% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,457 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.11% | 52.61% | 69.38% | 83.50% | 97th pctl | 58 / 1,683 | |
| Loans / Assets | 76.10% | 44.71% | 59.18% | 70.72% | 85th pctl | 247 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||