BANGOR
Charter #10939 · Bangor, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.47% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.06% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.02% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.17% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.68% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | BANGOR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $291.03M | 72th pct | 66th pct |
| Members | 15,712 | 61th pct | 52th pct |
| Net worth ratio | 8.47% | 7th pct | 8th pct |
| Return on average assets | 0.85% | 61th pct | 64th pct |
| Net interest margin | 3.06% | 17th pct | 10th pct |
| Cost of funds | 2.02% | 88th pct | 95th pct |
| Loan-to-share | 65.44% | 36th pct | 41th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 31th pct |
| Net charge-off ratio | 0.17% | 27th pct | 16th pct |
| Loan growth YoY | -2.33% | 22th pct | 30th pct |
| Share growth YoY | 4.00% | 58th pct | 62th pct |
| Efficiency ratio | 71.68% | 28th pct | 16th pct |
structural peer set hash: 57a55cc77cbbc5e83f5ac6eb282b680e… (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.