THE COUNTY
Charter #10794 · Presque Isle, ME · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.21% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.20% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.13% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 33rd — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | THE COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $520.35M | 7th pct | 33th pct |
| Members | 32,258 | 22th pct | 30th pct |
| Net worth ratio | 10.81% | 56th pct | 54th pct |
| Return on average assets | 0.47% | 36th pct | 28th pct |
| Net interest margin | 3.38% | 39th pct | 26th pct |
| Cost of funds | 2.21% | 89th pct | 93th pct |
| Loan-to-share | 79.50% | 44th pct | 49th pct |
| Delinquency 60+ days | 0.49% | 40th pct | 33th pct |
| Net charge-off ratio | 0.20% | 21th pct | 16th pct |
| Loan growth YoY | -2.03% | 19th pct | 7th pct |
| Share growth YoY | 6.17% | 80th pct | 69th pct |
| Efficiency ratio | 85.13% | 78th pct | 85th pct |
structural peer set hash: 1ed0f9509c5b259410cfe5827f667ce5… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.