MAINE STATE
Charter #63377 · Augusta, ME · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.21% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.24% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.13% sits at the 89th percentile of structural peers — worth a closer look.
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 STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $787.81M | 66th pct | 52th pct |
| Members | 37,537 | 40th pct | 26th pct |
| Net worth ratio | 9.92% | 41th pct | 43th pct |
| Return on average assets | 0.21% | 17th pct | 13th pct |
| Net interest margin | 3.24% | 33th pct | 20th pct |
| Cost of funds | 2.13% | 86th pct | 89th pct |
| Loan-to-share | 84.62% | 58th pct | 49th pct |
| Delinquency 60+ days | 0.82% | 68th pct | 70th pct |
| Net charge-off ratio | 0.46% | 52th pct | 62th pct |
| Loan growth YoY | 7.06% | 94th pct | 95th pct |
| Share growth YoY | 4.90% | 64th pct | 64th pct |
| Efficiency ratio | 84.47% | 76th pct | 70th pct |
structural peer set hash: 5a8823b8949c2d1f5d2354aab7ba5868… (reproducible)
Closest structural peers
This is the free public view
Claim MAINE STATE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.