CAPITAL AREA
Charter #9919 · Augusta, ME · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,957 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 17.25% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.61% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 59th — a 31-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 | CAPITAL AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $71.66M | 50th pct | 44th pct |
| Members | 3,957 | 27th pct | 23th pct |
| Net worth ratio | 17.25% | 83th pct | 85th pct |
| Return on average assets | 1.32% | 79th pct | 64th pct |
| Net interest margin | 4.28% | 81th pct | 61th pct |
| Cost of funds | 1.49% | 80th pct | 69th pct |
| Loan-to-share | 85.47% | 90th pct | 59th pct |
| Delinquency 60+ days | 0.10% | 12th pct | 8th pct |
| Net charge-off ratio | -0.61% | 0th pct | 3th pct |
| Loan growth YoY | -5.91% | 13th pct | 2th pct |
| Share growth YoY | 4.67% | 71th pct | 56th pct |
| Efficiency ratio | 70.48% | 27th pct | 38th pct |
structural peer set hash: 3463533ef64e139912caa473ba657238… (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.