Baileyville, ME · Charter 68563
NCUA · 8 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
35
Profitability
37
Liquidity
0
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.
Baileyville, ME · Charter 68563
NCUA · 8 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 | 0.23% | 0.21% | 0.61% | 0.76% | 0.66% | 0.56% | 0.51% | 0.48% | -28 bps | |
| Return on Equity | 2.37% | 2.22% | 6.45% | 8.03% | 7.08% | 6.17% | 5.77% | 5.46% | -258 bps | |
| Net Interest Margin | 2.97% | 3.05% | 3.28% | 3.33% | 3.39% | 3.41% | 3.51% | 3.50% | +17 bps | |
| Efficiency Ratio | 95.04% | 94.94% | 89.37% | 86.83% | 87.89% | 87.64% | 88.65% | 89.34% | +251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.13% | 8.66% | 3.77% | 3.85% | 6.71% | 9.06% | 10.85% | 9.23% | +538 bps | |
| Loan Growth (YoY) | 10.28% | 9.53% | 7.76% | 7.51% | 7.15% | 5.28% | 8.53% | 8.20% | +68 bps | |
| Share Growth (YoY) | 11.37% | 9.76% | 4.28% | 4.10% | 6.64% | 9.09% | 11.36% | 9.68% | +559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.48% | 0.38% | 0.40% | 0.49% | 0.97% | 0.80% | 0.95% | +56 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 | 9.72% | 9.54% | 9.44% | 9.46% | 9.39% | 9.06% | 8.81% | 8.85% | -61 bps | |
| Net Worth / Assets | 9.72% | 9.54% | 9.44% | 9.46% | 9.39% | 9.06% | 8.81% | 8.85% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.05% | 96.16% | 95.17% | 95.47% | 94.50% | 92.80% | 92.75% | 94.18% | -130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baileyville, ME · Charter 68563 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.48%
Rank 1,156 of 1,683
Net Interest Margin
3.50%
Rank 1,121 of 1,683
Efficiency Ratio
89.33%
Rank 1,365 of 1,682
Equity / Assets
8.85%
Rank 1,527 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,156 / 1,683 | ||
| Return on Equity | 5.46% | 2.67% | 5.89% | 8.74% | Beats 46% | 906 / 1,681 | ||
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,121 / 1,683 | ||
| Efficiency Ratio | 89.33% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,365 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,097 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.85% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,527 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.85% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,527 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.18% | 52.61% | 69.38% | 83.50% | 92nd pctl | 130 / 1,683 | ||
| Loans / Assets | 84.75% | 44.71% | 59.18% | 70.72% | 97th pctl | 47 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||