SACO VALLEY
Charter #68324 · Saco, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 56th — a 33-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 | SACO VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $195.98M | 50th pct | 38th pct |
| Members | 9,215 | 26th pct | 39th pct |
| Net worth ratio | 10.65% | 37th pct | 43th pct |
| Return on average assets | 0.87% | 62th pct | 69th pct |
| Net interest margin | 3.28% | 28th pct | 31th pct |
| Cost of funds | 1.73% | 78th pct | 48th pct |
| Loan-to-share | 89.98% | 89th pct | 56th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 36th pct |
| Net charge-off ratio | 0.00% | 6th pct | 5th pct |
| Loan growth YoY | 1.33% | 60th pct | 33th pct |
| Share growth YoY | 5.37% | 75th pct | 69th pct |
| Efficiency ratio | 77.68% | 46th pct | 38th pct |
structural peer set hash: 021c0db485291b63643d73ecd08f1257… (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.