WINTHROP AREA
Charter #2301 · WINTHROP, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.37% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.80% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% 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 4th percentile but its structural peers at the 36th — a 32-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 | WINTHROP AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $105.08M | 4th pct | 36th pct |
| Members | 8,031 | 18th pct | 33th pct |
| Net worth ratio | 11.40% | 49th pct | 46th pct |
| Return on average assets | 0.78% | 55th pct | 46th pct |
| Net interest margin | 3.37% | 33th pct | 13th pct |
| Cost of funds | 1.80% | 81th pct | 84th pct |
| Loan-to-share | 62.77% | 31th pct | 38th pct |
| Delinquency 60+ days | 0.10% | 7th pct | 7th pct |
| Net charge-off ratio | 0.09% | 16th pct | 15th pct |
| Loan growth YoY | 4.18% | 82th pct | 85th pct |
| Share growth YoY | 2.25% | 31th pct | 15th pct |
| Efficiency ratio | 79.78% | 55th pct | 62th pct |
structural peer set hash: 1aa882dafcfc316f707abdb6e5537311… (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.