BREWER
Charter #13682 · BREWER, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.29% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.92% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 56th — a 24-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 | BREWER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.11M | 12th pct | 28th pct |
| Members | 8,561 | 22th pct | 31th pct |
| Net worth ratio | 10.26% | 31th pct | 33th pct |
| Return on average assets | 0.71% | 51th pct | 44th pct |
| Net interest margin | 3.29% | 29th pct | 11th pct |
| Cost of funds | 1.92% | 86th pct | 92th pct |
| Loan-to-share | 70.27% | 47th pct | 51th pct |
| Delinquency 60+ days | 0.09% | 6th pct | 8th pct |
| Net charge-off ratio | 0.06% | 13th pct | 13th pct |
| Loan growth YoY | -0.01% | 48th pct | 38th pct |
| Share growth YoY | 5.89% | 79th pct | 56th pct |
| Efficiency ratio | 81.57% | 61th pct | 74th pct |
structural peer set hash: 5f494e19be8f0e5a691f3ad6f3bc2e19… (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.