CUMBERLAND COUNTY
Charter #9500 · Falmouth, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.94% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.91% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.88% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.02% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 11th — a 16-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 | CUMBERLAND COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $488.47M | 99th pct | 93th pct |
| Members | 22,101 | 83th pct | 70th pct |
| Net worth ratio | 9.96% | 27th pct | 36th pct |
| Return on average assets | 1.08% | 73th pct | 72th pct |
| Net interest margin | 2.94% | 12th pct | 10th pct |
| Cost of funds | 1.91% | 85th pct | 87th pct |
| Loan-to-share | 61.63% | 30th pct | 31th pct |
| Delinquency 60+ days | 0.88% | 70th pct | 75th pct |
| Net charge-off ratio | 0.21% | 33th pct | 39th pct |
| Loan growth YoY | -0.31% | 44th pct | 38th pct |
| Share growth YoY | 2.02% | 28th pct | 11th pct |
| Efficiency ratio | 67.02% | 19th pct | 18th pct |
structural peer set hash: 1034be5488e220d1710276b3263b8300… (reproducible)
Closest structural peers
This is the free public view
Claim CUMBERLAND COUNTY
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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.