COMMUNITY
Charter #63447 · Lewiston, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.16% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 5.21% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.61% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.54% sits at the 95th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 33rd — a 20-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 | COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $120.74M | 14th pct | 25th pct |
| Members | 14,776 | 58th pct | 57th pct |
| Net worth ratio | 10.32% | 32th pct | 44th pct |
| Return on average assets | 0.16% | 15th pct | 11th pct |
| Net interest margin | 5.21% | 98th pct | 93th pct |
| Cost of funds | 1.44% | 64th pct | 52th pct |
| Loan-to-share | 87.02% | 83th pct | 74th pct |
| Delinquency 60+ days | 1.61% | 91th pct | 82th pct |
| Net charge-off ratio | 1.54% | 96th pct | 95th pct |
| Loan growth YoY | 0.52% | 53th pct | 33th pct |
| Share growth YoY | 8.68% | 94th pct | 92th pct |
| Efficiency ratio | 78.23% | 49th pct | 54th pct |
structural peer set hash: d1b968167297efb17e77cee964e54cab… (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.