Capital Area
Augusta, ME · Charter 9919 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$71.4MAssets
$48.8MLoans
$57.7MShares
$12.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 81% of credit unions under $1B in assets (rank 326 of 1683).
- Widest gap: nonperforming loans / loans trails 46% of credit unions under $1B in assets (rank 776 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.33%
Rank 326 of 1,683
Net Interest Margin
4.35%
Rank 402 of 1,683
Efficiency Ratio
71.18%
Rank 506 of 1,682
Equity / Assets
17.65%
Rank 350 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.35% | 0.74% | 1.18% | Beats 81% | 326 / 1,683 | | |
| Return on Equity | 7.55% | 2.67% | 5.89% | 8.74% | Beats 66% | 576 / 1,681 | | |
| Net Interest Margin | 4.35% | 3.31% | 3.82% | 4.32% | Beats 76% | 402 / 1,683 | | |
| Efficiency Ratio | 71.18% | 68.91% | 78.20% | 86.93% | Beats 70% | 506 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 776 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.65% | 10.44% | 12.89% | 16.53% | Beats 79% | 350 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.65% | 10.44% | 12.89% | 16.53% | Beats 79% | 350 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.57% | 52.61% | 69.38% | 83.50% | 77th pctl | 387 / 1,683 | | |
| Loans / Assets | 68.29% | 44.71% | 59.18% | 70.72% | 70th pctl | 510 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |