MILESTONES
Charter #5144 · Lewiston, ME · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,817 sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.43% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 44th — a 27-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 | MILESTONES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.74M | 72th pct | 44th pct |
| Members | 1,817 | 38th pct | 23th pct |
| Net worth ratio | 11.06% | 27th pct | 43th pct |
| Return on average assets | 0.19% | 25th pct | 36th pct |
| Net interest margin | 3.84% | 49th pct | 56th pct |
| Cost of funds | 1.65% | 82th pct | 67th pct |
| Loan-to-share | 75.48% | 78th pct | 52th pct |
| Delinquency 60+ days | 0.80% | 61th pct | 52th pct |
| Net charge-off ratio | 0.43% | 69th pct | 77th pct |
| Loan growth YoY | 2.99% | 87th pct | 92th pct |
| Share growth YoY | -3.50% | 6th pct | 7th pct |
| Efficiency ratio | 87.76% | 69th pct | 61th pct |
structural peer set hash: 5c7db66221387649f1967fe677a98ead… (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.