Downeast
Baileyville, ME · Charter 68563 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$330.4MAssets
$280.0MLoans
$297.3MShares
$29.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 46% of credit unions under $1B in assets (rank 906 of 1681).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets (rank 1527 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |