University
Orono, ME · Charter 63133 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$538.5MAssets
$409.8MLoans
$409.3MShares
$50.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 52% of credit unions under $1B in assets (rank 804 of 1682).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets (rank 1457 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |