ACADIA
Charter #15619 · FORT KENT, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.62% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.12% sits at the 98th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 33rd — a 29-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 | ACADIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $408.09M | 90th pct | 70th pct |
| Members | 18,300 | 71th pct | 57th pct |
| Net worth ratio | 11.05% | 44th pct | 61th pct |
| Return on average assets | 0.40% | 29th pct | 31th pct |
| Net interest margin | 3.88% | 65th pct | 74th pct |
| Cost of funds | 1.93% | 86th pct | 67th pct |
| Loan-to-share | 93.20% | 94th pct | 72th pct |
| Delinquency 60+ days | 1.62% | 91th pct | 97th pct |
| Net charge-off ratio | 1.12% | 91th pct | 98th pct |
| Loan growth YoY | 1.51% | 62th pct | 33th pct |
| Share growth YoY | 4.21% | 61th pct | 56th pct |
| Efficiency ratio | 86.82% | 77th pct | 70th pct |
structural peer set hash: bcae08914786d5a4a9dcc3b516ba42d7… (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.