Gardiner
Gardiner, ME · Charter 8367 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$100.7MAssets
$57.1MLoans
$84.1MShares
$16.0MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 93% of credit unions under $1B in assets (rank 121 of 1683).
- Widest gap: net interest margin trails 60% of credit unions under $1B in assets (rank 1018 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |