Pittsfield, ME · Charter 8936
NCUA · 3 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
70
Asset Quality
36
Profitability
95
Liquidity
0
Efficiency
91
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.
Pittsfield, ME · Charter 8936
NCUA · 3 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 | 1.68% | 1.67% | 1.56% | 1.74% | 1.87% | 1.88% | 1.97% | 2.30% | +56 bps | |
| Return on Equity | 12.60% | 12.57% | 11.31% | 12.50% | 13.04% | 13.03% | 12.96% | 14.91% | +241 bps | |
| Net Interest Margin | 3.78% | 3.68% | 3.83% | 3.88% | 3.96% | 3.88% | 4.24% | 4.88% | +101 bps | |
| Efficiency Ratio | 62.79% | 62.52% | 64.95% | 61.41% | 59.60% | 58.88% | 57.99% | 57.59% | -382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 5.76% | 6.10% | 6.77% | 5.33% | 6.01% | 4.48% | 3.85% | -292 bps | |
| Loan Growth (YoY) | 6.95% | 6.50% | 6.57% | 4.01% | 3.62% | 3.37% | 3.05% | 3.81% | -20 bps | |
| Share Growth (YoY) | 2.73% | 5.43% | -0.49% | 4.61% | 4.85% | 4.73% | 7.54% | 3.99% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.65% | 0.67% | 0.37% | 0.45% | 0.70% | 0.64% | 0.92% | +55 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 | 13.34% | 13.28% | 13.76% | 13.90% | 14.35% | 14.41% | 15.20% | 15.41% | +151 bps | |
| Net Worth / Assets | 13.34% | 13.28% | 13.76% | 13.90% | 14.35% | 14.41% | 15.20% | 15.41% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.97% | 114.48% | 115.26% | 112.23% | 113.62% | 113.00% | 110.45% | 112.03% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsfield, ME · Charter 8936 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
2.30%
Rank 43 of 1,683
Net Interest Margin
4.88%
Rank 175 of 1,683
Efficiency Ratio
57.59%
Rank 158 of 1,682
Equity / Assets
15.41%
Rank 510 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.30% | 0.35% | 0.74% | 1.18% | Beats 97% | 43 / 1,683 | ||
| Return on Equity | 14.90% | 2.67% | 5.89% | 8.74% | Beats 97% | 49 / 1,681 | ||
| Net Interest Margin | 4.88% | 3.31% | 3.82% | 4.32% | Beats 90% | 175 / 1,683 | ||
| Efficiency Ratio | 57.59% | 68.91% | 78.20% | 86.93% | Beats 91% | 158 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,070 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 510 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 510 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 112.03% | 52.61% | 69.38% | 83.50% | 99th pctl | 15 / 1,683 | ||
| Loans / Assets | 86.64% | 44.71% | 59.18% | 70.72% | 98th pctl | 27 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||