Cumberland County
Falmouth, ME · Charter 9500 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$494.0MAssets
$279.0MLoans
$440.9MShares
$49.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets (rank 281 of 1681).
- Widest gap: net interest margin trails 89% of credit unions under $1B in assets (rank 1496 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.01%
Rank 586 of 1,683
Net Interest Margin
2.91%
Rank 1,496 of 1,683
Efficiency Ratio
68.38%
Rank 406 of 1,682
Equity / Assets
10.10%
Rank 1,324 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.35% | 0.74% | 1.18% | Beats 65% | 586 / 1,683 | |
| Return on Equity | 10.02% | 2.67% | 5.89% | 8.74% | Beats 83% | 281 / 1,681 | |
| Net Interest Margin | 2.91% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,496 / 1,683 | |
| Efficiency Ratio | 68.38% | 68.91% | 78.20% | 86.93% | Beats 76% | 406 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,046 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.10% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,324 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.10% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,324 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 63.28% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,013 / 1,683 | |
| Loans / Assets | 56.49% | 44.71% | 59.18% | 70.72% | 44th pctl | 939 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |