Bath, ME · Charter 67993
NCUA · 15 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
15
Asset Quality
19
Profitability
54
Liquidity
55
Efficiency
19
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.
Bath, ME · Charter 67993
NCUA · 15 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 | 0.72% | 0.58% | -0.17% | 0.23% | 0.30% | 0.19% | 1.38% | 0.59% | +35 bps | |
| Return on Equity | 7.54% | 6.17% | -1.95% | 2.55% | 3.16% | 2.10% | 14.72% | 6.23% | +368 bps | |
| Net Interest Margin | 4.10% | 4.05% | 3.82% | 3.98% | 4.04% | 4.09% | 4.07% | 4.19% | +22 bps | |
| Efficiency Ratio | 87.43% | 88.36% | 98.94% | 92.92% | 91.79% | 93.30% | 80.18% | 89.25% | -367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 7.33% | 8.66% | 7.61% | 4.37% | 2.78% | 1.58% | 1.28% | -632 bps | |
| Loan Growth (YoY) | 13.16% | 9.15% | 6.35% | 3.52% | -0.40% | -1.29% | -1.53% | -2.76% | -628 bps | |
| Share Growth (YoY) | 4.80% | 7.62% | 9.10% | 7.93% | 4.22% | 2.89% | 1.23% | 1.11% | -682 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.54% | 0.32% | 0.88% | 1.56% | 0.32% | 0.52% | 1.60% | +72 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 | 9.53% | 9.37% | 8.97% | 9.19% | 9.34% | 9.25% | 9.41% | 9.44% | +25 bps | |
| Net Worth / Assets | 9.53% | 9.37% | 8.97% | 9.19% | 9.34% | 9.25% | 9.41% | 9.44% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.54% | 85.12% | 81.02% | 82.82% | 82.70% | 81.66% | 78.82% | 79.66% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bath, ME · Charter 67993 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 15 branches
Q2 2026
Return on Assets
0.59%
Rank 1,022 of 1,683
Net Interest Margin
4.19%
Rank 519 of 1,683
Efficiency Ratio
89.24%
Rank 1,360 of 1,682
Equity / Assets
9.44%
Rank 1,435 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,022 / 1,683 | ||
| Return on Equity | 6.23% | 2.67% | 5.89% | 8.74% | Beats 54% | 779 / 1,681 | ||
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 519 / 1,683 | ||
| Efficiency Ratio | 89.24% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,360 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.60% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,368 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.44% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,435 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.44% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,435 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.66% | 52.61% | 69.38% | 83.50% | 69th pctl | 527 / 1,683 | ||
| Loans / Assets | 70.59% | 44.71% | 59.18% | 70.72% | 75th pctl | 428 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||