UNIVERSITY
Charter #63133 · Orono, ME · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.28% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 49th — a 18-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 | UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $529.58M | 10th pct | 13th pct |
| Members | 31,058 | 18th pct | 28th pct |
| Net worth ratio | 9.37% | 26th pct | 34th pct |
| Return on average assets | 0.50% | 40th pct | 43th pct |
| Net interest margin | 3.47% | 47th pct | 48th pct |
| Cost of funds | 1.70% | 67th pct | 49th pct |
| Loan-to-share | 98.01% | 95th pct | 84th pct |
| Delinquency 60+ days | 0.28% | 19th pct | 18th pct |
| Net charge-off ratio | 0.16% | 16th pct | 16th pct |
| Loan growth YoY | -0.10% | 38th pct | 25th pct |
| Share growth YoY | 3.87% | 47th pct | 46th pct |
| Efficiency ratio | 86.23% | 81th pct | 74th pct |
structural peer set hash: 2a599cfad24666ddf2435524752498fc… (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.