Saco Valley
Saco, ME · Charter 68324 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$195.5MAssets
$159.3MLoans
$173.8MShares
$21.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 70% of credit unions under $1B in assets (rank 499 of 1681).
- Widest gap: net interest margin trails 76% of credit unions under $1B in assets (rank 1282 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |