DIRIGO
Charter #11144 · Lewiston, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.36% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.91% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.03% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.20% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 43rd — 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 | DIRIGO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $494.91M | 100th pct | 90th pct |
| Members | 28,620 | 93th pct | 70th pct |
| Net worth ratio | 10.09% | 29th pct | 31th pct |
| Return on average assets | 0.36% | 27th pct | 21th pct |
| Net interest margin | 2.91% | 11th pct | 0th pct |
| Cost of funds | 2.03% | 89th pct | 87th pct |
| Loan-to-share | 84.72% | 78th pct | 69th pct |
| Delinquency 60+ days | 0.70% | 58th pct | 56th pct |
| Net charge-off ratio | 0.20% | 30th pct | 21th pct |
| Loan growth YoY | 2.21% | 68th pct | 43th pct |
| Share growth YoY | 5.97% | 81th pct | 69th pct |
| Efficiency ratio | 83.45% | 67th pct | 66th pct |
structural peer set hash: 05c4227aa4a605347184177edb5534cf… (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.