MAINE FAMILY
Charter #2644 · Lewiston, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.71% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 2.88% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.47% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $285.74M | 71th pct | 72th pct |
| Members | 19,179 | 75th pct | 70th pct |
| Net worth ratio | 8.71% | 10th pct | 8th pct |
| Return on average assets | 0.63% | 44th pct | 52th pct |
| Net interest margin | 2.88% | 10th pct | 5th pct |
| Cost of funds | 1.47% | 66th pct | 79th pct |
| Loan-to-share | 49.95% | 12th pct | 31th pct |
| Delinquency 60+ days | 0.18% | 12th pct | 10th pct |
| Net charge-off ratio | 0.16% | 26th pct | 13th pct |
| Loan growth YoY | 6.33% | 92th pct | 89th pct |
| Share growth YoY | 2.80% | 40th pct | 39th pct |
| Efficiency ratio | 79.77% | 54th pct | 41th pct |
structural peer set hash: e881d9cd602e304bc951ffeffe859eb9… (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.