MAINE HIGHLANDS
Charter #17398 · Dexter, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.89% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.58% sits at the 89th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 82nd — a 16-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 HIGHLANDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $226.61M | 59th pct | 52th pct |
| Members | 14,196 | 55th pct | 61th pct |
| Net worth ratio | 10.83% | 40th pct | 51th pct |
| Return on average assets | 0.80% | 57th pct | 51th pct |
| Net interest margin | 3.89% | 66th pct | 82th pct |
| Cost of funds | 1.69% | 76th pct | 70th pct |
| Loan-to-share | 68.67% | 43th pct | 48th pct |
| Delinquency 60+ days | 1.58% | 90th pct | 89th pct |
| Net charge-off ratio | 0.15% | 24th pct | 34th pct |
| Loan growth YoY | -0.38% | 43th pct | 30th pct |
| Share growth YoY | 2.63% | 37th pct | 41th pct |
| Efficiency ratio | 76.32% | 42th pct | 38th pct |
structural peer set hash: f18b293e0b3139c925d53c57646bf5dd… (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.