NORSTATE
Charter #4261 · Madawaska, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.40% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.46% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.34% sits at the 84th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 66th — 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 | NORSTATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $280.36M | 70th pct | 59th pct |
| Members | 14,075 | 54th pct | 38th pct |
| Net worth ratio | 11.42% | 49th pct | 66th pct |
| Return on average assets | 0.40% | 29th pct | 25th pct |
| Net interest margin | 3.64% | 49th pct | 38th pct |
| Cost of funds | 2.00% | 88th pct | 92th pct |
| Loan-to-share | 77.18% | 61th pct | 48th pct |
| Delinquency 60+ days | 1.46% | 89th pct | 87th pct |
| Net charge-off ratio | 0.33% | 47th pct | 51th pct |
| Loan growth YoY | -0.58% | 40th pct | 31th pct |
| Share growth YoY | 2.70% | 39th pct | 54th pct |
| Efficiency ratio | 89.34% | 84th pct | 84th pct |
structural peer set hash: c23787f3e24de1de979c80de1f0fa53c… (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.