Lewiston, ME · Charter 63447
NCUA · 3 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
25
Asset Quality
16
Profitability
47
Liquidity
24
Efficiency
54
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.
Lewiston, ME · Charter 63447
NCUA · 3 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 | 1.01% | 0.76% | 1.15% | 1.00% | 1.15% | 0.97% | 0.16% | 0.31% | -69 bps | |
| Return on Equity | 9.59% | 7.50% | 11.29% | 9.43% | 10.56% | 9.09% | 1.54% | 2.95% | -648 bps | |
| Net Interest Margin | 4.81% | 4.74% | 4.93% | 5.20% | 5.32% | 5.20% | 5.13% | 5.20% | 0 bps | |
| Efficiency Ratio | 70.92% | 71.46% | 74.28% | 72.60% | 69.17% | 69.90% | 78.23% | 76.90% | +430 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.69% | 10.65% | 10.72% | 7.35% | 4.76% | 5.59% | 6.35% | 7.50% | +15 bps | |
| Loan Growth (YoY) | 7.06% | 4.32% | 3.58% | 8.04% | 5.94% | 5.78% | 5.77% | 0.06% | -798 bps | |
| Share Growth (YoY) | 9.16% | 11.69% | 11.25% | 7.05% | 4.30% | 5.19% | 6.58% | 8.20% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.55% | 1.17% | 1.27% | 1.76% | 1.89% | 1.61% | 1.86% | +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 | 10.51% | 10.20% | 10.23% | 10.60% | 10.94% | 10.62% | 10.32% | 10.49% | -11 bps | |
| Net Worth / Assets | 10.51% | 10.20% | 10.23% | 10.60% | 10.94% | 10.62% | 10.32% | 10.49% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.62% | 89.19% | 87.69% | 93.68% | 94.08% | 89.70% | 87.02% | 86.63% | -705 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lewiston, ME · Charter 63447 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.31%
Rank 1,305 of 1,683
Net Interest Margin
5.20%
Rank 112 of 1,683
Efficiency Ratio
76.90%
Rank 773 of 1,682
Equity / Assets
10.49%
Rank 1,254 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,305 / 1,683 | ||
| Return on Equity | 2.95% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,220 / 1,681 | ||
| Net Interest Margin | 5.20% | 3.31% | 3.82% | 4.32% | Beats 93% | 112 / 1,683 | ||
| Efficiency Ratio | 76.90% | 68.91% | 78.20% | 86.93% | Beats 54% | 773 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.86% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,422 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.49% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,254 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.49% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,254 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.63% | 52.61% | 69.38% | 83.50% | 80th pctl | 332 / 1,683 | ||
| Loans / Assets | 77.09% | 44.71% | 59.18% | 70.72% | 87th pctl | 217 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||