DOWNEAST
Charter #68563 · Baileyville, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.81% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.58% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.11% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.28% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.65% sits at the 85th 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 | DOWNEAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $327.67M | 77th pct | 59th pct |
| Members | 25,342 | 88th pct | 59th pct |
| Net worth ratio | 8.81% | 11th pct | 5th pct |
| Return on average assets | 0.52% | 37th pct | 38th pct |
| Net interest margin | 3.58% | 45th pct | 16th pct |
| Cost of funds | 2.11% | 91th pct | 84th pct |
| Loan-to-share | 92.75% | 93th pct | 89th pct |
| Delinquency 60+ days | 0.80% | 65th pct | 67th pct |
| Net charge-off ratio | 0.28% | 40th pct | 16th pct |
| Loan growth YoY | 4.69% | 85th pct | 79th pct |
| Share growth YoY | 6.67% | 85th pct | 69th pct |
| Efficiency ratio | 88.65% | 81th pct | 85th pct |
structural peer set hash: 9bc9fe7c0fce28d5c9b1e53a656c3281… (reproducible)
Closest structural peers
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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.