MAINE SAVINGS
Charter #14565 · Hampden, ME · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.76% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.14% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 59th — a 19-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 | MAINE SAVINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $852.02M | 78th pct | 59th pct |
| Members | 42,905 | 52th pct | 44th pct |
| Net worth ratio | 7.76% | 5th pct | 5th pct |
| Return on average assets | 0.50% | 38th pct | 44th pct |
| Net interest margin | 3.67% | 66th pct | 74th pct |
| Cost of funds | 2.14% | 87th pct | 79th pct |
| Loan-to-share | 86.40% | 66th pct | 52th pct |
| Delinquency 60+ days | 0.99% | 77th pct | 74th pct |
| Net charge-off ratio | 0.40% | 48th pct | 51th pct |
| Loan growth YoY | -0.97% | 27th pct | 26th pct |
| Share growth YoY | 1.38% | 16th pct | 13th pct |
| Efficiency ratio | 82.41% | 69th pct | 56th pct |
structural peer set hash: 5e44a4c51408eef97eb592b30655c142… (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.