PackageTrendsPeer
Letter portraitLegal landscape

Central Maine

Lewiston, ME · Charter 6936

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Maine

Lewiston, ME · Charter 6936

NCUA · 1 branch

Q2 2026

$145.5MAssets
$46.4MLoans
$124.1MShares
$21.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.41%, down 93 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.66% of loans (+50 bps YoY).
  • Capital: net worth / assets of 14.66%, down 45 bps from a year ago.
  • Funding: loans stand at 37.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%-93 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-28 bps YoY

Efficiency Ratio (YTD, annualized)

86.47%+2,514 bps YoY

Net Worth / Assets

14.66%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.13%0.99%0.70%0.41%-93 bps
Return on Equity8.89%7.44%6.57%4.71%2.82%-607 bps
Net Interest Margin2.72%2.68%2.62%2.41%2.44%-28 bps
Efficiency Ratio61.33%65.66%68.75%78.09%86.47%+2,514 bps
Growth
Asset Growth (YoY)0.35%0.70%1.66%5.07%6.95%+659 bps
Loan Growth (YoY)8.06%8.07%6.63%12.35%20.06%+1,200 bps
Share Growth (YoY)-1.09%-0.41%0.84%4.95%7.65%+874 bps
Asset Quality
Delinquent Loans / Loans0.16%0.35%0.54%0.36%0.66%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.11%15.20%15.01%14.87%14.66%-45 bps
Net Worth / Assets15.11%15.20%15.01%14.87%14.66%-45 bps
Liquidity & Funding
Loans / Shares33.55%34.86%33.88%35.38%37.41%+387 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Central Maine

Lewiston, ME · Charter 6936 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$145.5MAssets
$46.4MLoans
$124.1MShares
$21.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 65% of credit unions under $1B in assets (rank 586 of 1683).
  • Widest gap: net interest margin trails 96% of credit unions under $1B in assets (rank 1623 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.41%

Rank 1,214 of 1,683

Net Interest Margin

2.44%

Rank 1,623 of 1,683

Efficiency Ratio

86.47%

Rank 1,243 of 1,682

Equity / Assets

14.66%

Rank 586 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%0.35%0.74%1.18%Beats 28%1,214 / 1,683
Return on Equity2.82%2.67%5.89%8.74%Beats 26%1,238 / 1,681
Net Interest Margin2.44%3.31%3.82%4.32%Beats 4%1,623 / 1,683
Efficiency Ratio86.47%68.91%78.20%86.93%Beats 26%1,243 / 1,682
Asset Quality
Nonperforming Loans / Loans0.66%0.26%0.65%1.29%Beats 50%846 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.66%10.44%12.89%16.53%Beats 65%586 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.66%10.44%12.89%16.53%Beats 65%586 / 1,683
Liquidity & Funding
Loans / Deposits37.41%52.61%69.38%83.50%9th pctl1,530 / 1,683
Loans / Assets31.90%44.71%59.18%70.72%9th pctl1,524 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution