MAINE SOLUTIONS
Charter #17436 · SOUTH PORTLAND, ME · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,175 sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.82% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 23rd — 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 SOLUTIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.51M | 39th pct | 23th pct |
| Members | 1,175 | 11th pct | 5th pct |
| Net worth ratio | 9.77% | 17th pct | 26th pct |
| Return on average assets | 0.29% | 31th pct | 30th pct |
| Net interest margin | 2.82% | 12th pct | 15th pct |
| Cost of funds | 1.60% | 80th pct | 72th pct |
| Loan-to-share | 58.97% | 53th pct | 52th pct |
| Delinquency 60+ days | 0.86% | 64th pct | 69th pct |
| Net charge-off ratio | -0.02% | 17th pct | 15th pct |
| Loan growth YoY | -5.61% | 26th pct | 11th pct |
| Share growth YoY | 4.14% | 67th pct | 72th pct |
| Efficiency ratio | 86.88% | 66th pct | 66th pct |
structural peer set hash: 170a5a90f779b355ba13079bf9ff2df0… (reproducible)
Closest structural peers
This is the free public view
Claim MAINE SOLUTIONS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.