Biddeford, ME · Charter 68442
NCUA · 4 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
9
Asset Quality
33
Profitability
62
Liquidity
44
Efficiency
55
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.
Biddeford, ME · Charter 68442
NCUA · 4 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 | 0.43% | 0.46% | 0.56% | 0.73% | 0.83% | 0.88% | 0.80% | 0.78% | +5 bps | |
| Return on Equity | 5.83% | 5.87% | 7.17% | 8.93% | 9.94% | 10.32% | 9.36% | 8.85% | -8 bps | |
| Net Interest Margin | 3.25% | 3.43% | 3.77% | 3.88% | 3.91% | 3.94% | 3.93% | 3.96% | +7 bps | |
| Efficiency Ratio | 79.90% | 80.68% | 80.37% | 78.21% | 77.51% | 76.32% | 75.87% | 76.67% | -154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | -1.02% | 0.01% | -1.44% | -1.43% | 2.49% | 2.80% | 3.11% | +455 bps | |
| Loan Growth (YoY) | 3.05% | 2.35% | 1.93% | 2.04% | 0.42% | -0.04% | 1.58% | 0.75% | -129 bps | |
| Share Growth (YoY) | 3.13% | -0.22% | 3.00% | 0.89% | 1.48% | 1.73% | 0.31% | 1.33% | +45 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 1.21% | 0.94% | 0.95% | 0.87% | 1.16% | 1.12% | 1.01% | +6 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 | 7.46% | 7.83% | 7.88% | 8.12% | 8.31% | 8.52% | 8.60% | 8.78% | +66 bps | |
| Net Worth / Assets | 7.46% | 7.83% | 7.88% | 8.12% | 8.31% | 8.52% | 8.60% | 8.78% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.80% | 83.84% | 81.09% | 82.59% | 80.95% | 82.39% | 82.12% | 82.12% | -48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Biddeford, ME · Charter 68442 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.78%
Rank 802 of 1,683
Net Interest Margin
3.96%
Rank 701 of 1,683
Efficiency Ratio
76.66%
Rank 757 of 1,682
Equity / Assets
8.78%
Rank 1,533 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 52% | 802 / 1,683 | ||
| Return on Equity | 8.85% | 2.67% | 5.89% | 8.74% | Beats 76% | 411 / 1,681 | ||
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 58% | 701 / 1,683 | ||
| Efficiency Ratio | 76.66% | 68.91% | 78.20% | 86.93% | Beats 55% | 757 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,134 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.78% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,533 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.78% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,533 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.12% | 52.61% | 69.38% | 83.50% | 73rd pctl | 452 / 1,683 | ||
| Loans / Assets | 75.14% | 44.71% | 59.18% | 70.72% | 83rd pctl | 281 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||