Gorham, ME · Charter 9327
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
17
Asset Quality
30
Profitability
57
Liquidity
99
Efficiency
38
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.
Gorham, ME · Charter 9327
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.67% | 0.71% | 0.75% | 0.78% | +10 bps | |
| Return on Equity | 7.08% | 7.25% | 7.46% | 7.90% | 8.11% | +103 bps | |
| Net Interest Margin | 3.47% | 3.38% | 3.52% | 3.63% | 3.78% | +31 bps | |
| Efficiency Ratio | 85.80% | 85.52% | 84.52% | 84.92% | 82.11% | -368 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.96% | 9.08% | 6.67% | 7.35% | 7.78% | +182 bps | |
| Loan Growth (YoY) | 1.47% | 0.68% | 3.60% | 6.53% | 5.67% | +420 bps | |
| Share Growth (YoY) | 5.99% | 9.52% | 6.77% | 7.09% | 7.46% | +147 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 1.19% | 0.21% | 0.44% | 1.09% | +93 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.58% | 9.22% | 9.57% | 9.44% | 9.65% | +7 bps | |
| Net Worth / Assets | 9.58% | 9.22% | 9.57% | 9.44% | 9.65% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.68% | 67.15% | 70.48% | 68.48% | 69.51% | -118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gorham, ME · Charter 9327 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.78%
Rank 797 of 1,683
Net Interest Margin
3.78%
Rank 879 of 1,683
Efficiency Ratio
82.12%
Rank 1,039 of 1,682
Equity / Assets
9.65%
Rank 1,403 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 53% | 797 / 1,683 | |
| Return on Equity | 8.11% | 2.67% | 5.89% | 8.74% | Beats 71% | 494 / 1,681 | |
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 879 / 1,683 | |
| Efficiency Ratio | 82.12% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,039 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.09% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,178 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,403 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,403 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.51% | 52.61% | 69.38% | 83.50% | 50th pctl | 836 / 1,683 | |
| Loans / Assets | 62.11% | 44.71% | 59.18% | 70.72% | 57th pctl | 725 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||