CENTRAL MAINE
Charter #6936 · Lewiston, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.87% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.44% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.93% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.04% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 56th — a 28-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 | CENTRAL MAINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.13M | 27th pct | 56th pct |
| Members | 6,460 | 9th pct | 31th pct |
| Net worth ratio | 14.87% | 84th pct | 75th pct |
| Return on average assets | 0.71% | 50th pct | 38th pct |
| Net interest margin | 2.44% | 4th pct | 5th pct |
| Cost of funds | 1.93% | 86th pct | 89th pct |
| Loan-to-share | 35.38% | 3th pct | 15th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 39th pct |
| Net charge-off ratio | 0.04% | 11th pct | 23th pct |
| Loan growth YoY | 6.54% | 93th pct | 90th pct |
| Share growth YoY | 4.97% | 71th pct | 70th pct |
| Efficiency ratio | 78.09% | 48th pct | 57th pct |
structural peer set hash: 8c3b34fa2e7b88274deb1e593bbfcb36… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL MAINE
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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.