Saco, ME · Charter 68324
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
30
Asset Quality
68
Profitability
51
Liquidity
2
Efficiency
53
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.
Saco, ME · Charter 68324
NCUA · 3 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 | 0.85% | 1.04% | 0.99% | 0.86% | 0.88% | +3 bps | |
| Return on Equity | 8.30% | 9.64% | 9.26% | 8.05% | 8.07% | -23 bps | |
| Net Interest Margin | 3.16% | 3.23% | 3.21% | 3.24% | 3.29% | +13 bps | |
| Efficiency Ratio | 77.37% | 74.22% | 74.87% | 77.68% | 77.30% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.15% | 1.29% | 4.40% | 5.16% | 3.91% | +75 bps | |
| Loan Growth (YoY) | 2.98% | 2.62% | 4.73% | 3.34% | 3.67% | +69 bps | |
| Share Growth (YoY) | 2.53% | 0.27% | 3.70% | 4.53% | 3.20% | +68 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.79% | 0.69% | 0.29% | 0.36% | -43 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 | 10.29% | 10.74% | 10.72% | 10.65% | 10.90% | +61 bps | |
| Net Worth / Assets | 10.29% | 10.74% | 10.72% | 10.65% | 10.90% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.24% | 93.57% | 92.96% | 89.98% | 91.65% | +41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saco, ME · Charter 68324 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.88%
Rank 704 of 1,683
Net Interest Margin
3.29%
Rank 1,282 of 1,683
Efficiency Ratio
77.29%
Rank 791 of 1,682
Equity / Assets
10.90%
Rank 1,173 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.35% | 0.74% | 1.18% | Beats 58% | 704 / 1,683 | |
| Return on Equity | 8.07% | 2.67% | 5.89% | 8.74% | Beats 70% | 499 / 1,681 | |
| Net Interest Margin | 3.29% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,282 / 1,683 | |
| Efficiency Ratio | 77.29% | 68.91% | 78.20% | 86.93% | Beats 53% | 791 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.26% | 0.65% | 1.29% | Beats 68% | 532 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.90% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,173 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.90% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,173 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.65% | 52.61% | 69.38% | 83.50% | 89th pctl | 181 / 1,683 | |
| Loans / Assets | 81.48% | 44.71% | 59.18% | 70.72% | 93rd pctl | 112 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||