Gardiner, ME · Charter 8367
NCUA · 2 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
73
Asset Quality
85
Profitability
74
Liquidity
95
Efficiency
92
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.
Gardiner, ME · Charter 8367
NCUA · 2 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 | 1.94% | 1.99% | 1.67% | 1.97% | 1.92% | 1.86% | 1.76% | 1.82% | -16 bps | |
| Return on Equity | 12.50% | 12.59% | 10.77% | 12.64% | 12.04% | 11.51% | 11.15% | 11.41% | -123 bps | |
| Net Interest Margin | 3.94% | 3.97% | 3.91% | 4.09% | 4.09% | 4.03% | 3.73% | 3.62% | -47 bps | |
| Efficiency Ratio | 60.82% | 60.12% | 62.42% | 59.37% | 60.16% | 60.30% | 58.11% | 56.49% | -288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | 4.30% | 5.80% | 10.02% | 10.73% | 10.35% | 11.38% | 10.17% | +15 bps | |
| Loan Growth (YoY) | 14.84% | 16.31% | 16.63% | 14.28% | 11.26% | 7.95% | 2.71% | 1.13% | -1,315 bps | |
| Share Growth (YoY) | -2.24% | 2.65% | 4.18% | 8.99% | 10.34% | 10.03% | 11.06% | 10.04% | +106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 0.01% | 0.09% | 0.11% | 0.15% | 0.16% | 0.12% | +3 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 | 15.50% | 15.77% | 15.52% | 15.62% | 15.95% | 16.15% | 15.76% | 15.92% | +30 bps | |
| Net Worth / Assets | 15.50% | 15.77% | 15.52% | 15.62% | 15.95% | 16.15% | 15.76% | 15.92% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.50% | 75.22% | 73.80% | 73.95% | 75.12% | 73.80% | 68.25% | 67.96% | -599 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gardiner, ME · Charter 8367 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.82%
Rank 121 of 1,683
Net Interest Margin
3.62%
Rank 1,018 of 1,683
Efficiency Ratio
56.49%
Rank 135 of 1,682
Equity / Assets
15.92%
Rank 462 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.82% | 0.35% | 0.74% | 1.18% | Beats 93% | 121 / 1,683 | ||
| Return on Equity | 11.40% | 2.67% | 5.89% | 8.74% | Beats 90% | 171 / 1,681 | ||
| Net Interest Margin | 3.62% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,018 / 1,683 | ||
| Efficiency Ratio | 56.49% | 68.91% | 78.20% | 86.93% | Beats 92% | 135 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.26% | 0.65% | 1.29% | Beats 85% | 257 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.92% | 10.44% | 12.89% | 16.53% | Beats 73% | 462 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.92% | 10.44% | 12.89% | 16.53% | Beats 73% | 462 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.96% | 52.61% | 69.38% | 83.50% | 48th pctl | 880 / 1,683 | ||
| Loans / Assets | 56.72% | 44.71% | 59.18% | 70.72% | 45th pctl | 928 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||