MIDCOAST
Charter #10898 · Freeport, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.24% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.20% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.20% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.60% sits at the 82nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 23rd — 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 | MIDCOAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $266.95M | 68th pct | 51th pct |
| Members | 16,020 | 63th pct | 54th pct |
| Net worth ratio | 11.03% | 44th pct | 67th pct |
| Return on average assets | 0.24% | 19th pct | 20th pct |
| Net interest margin | 3.70% | 53th pct | 34th pct |
| Cost of funds | 1.20% | 49th pct | 23th pct |
| Loan-to-share | 91.62% | 91th pct | 69th pct |
| Delinquency 60+ days | 0.20% | 14th pct | 5th pct |
| Net charge-off ratio | 0.39% | 52th pct | 44th pct |
| Loan growth YoY | -0.11% | 46th pct | 34th pct |
| Share growth YoY | 2.14% | 30th pct | 36th pct |
| Efficiency ratio | 89.60% | 84th pct | 82th pct |
structural peer set hash: a8fb8f10c71125ff483aa0c4a27442f8… (reproducible)
Closest structural peers
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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.