ATLANTIC REGIONAL
Charter #4281 · South Portland, ME · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.34% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.30% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.22% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.72% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 57th — a 52-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 | ATLANTIC REGIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.08B | 5th pct | 57th pct |
| Members | 49,072 | 4th pct | 41th pct |
| Net worth ratio | 11.06% | 57th pct | 64th pct |
| Return on average assets | 0.34% | 17th pct | 21th pct |
| Net interest margin | 3.08% | 35th pct | 28th pct |
| Cost of funds | 1.68% | 45th pct | 64th pct |
| Loan-to-share | 76.29% | 25th pct | 23th pct |
| Delinquency 60+ days | 0.30% | 14th pct | 13th pct |
| Net charge-off ratio | 0.22% | 16th pct | 18th pct |
| Loan growth YoY | -0.31% | 22th pct | 39th pct |
| Share growth YoY | 1.87% | 17th pct | 26th pct |
| Efficiency ratio | 88.72% | 96th pct | 79th pct |
structural peer set hash: 748458a7f0e93ac80a6e915d5adda0de… (reproducible)
Closest structural peers
This is the free public view
Claim ATLANTIC REGIONAL
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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.