Capital Area

Augusta, ME · 1 · Charter #9919 · WWW.CAPITALAREAFCU.ORG
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$70.2M
21th percentile
Members
3,971
13th percentile
Total loans
$51.8M
42th percentile
Total shares
$50.1M
11th percentile

Profitability

Return on assets
1.82%
88th percentile
Net interest margin
4.46%
88th percentile
Efficiency ratio
54.24%
74th percentile
Non-interest income ratio
15.16%
39th percentile

Capital & Risk

Net worth ratio
17.29%
87th percentile
Delinquency rate
0.01%
99th percentile
Net charge-off rate
0.45%
37th percentile
Loan-to-share
103.53%
97th percentile

Growth

Member growth YoY
-1.54%
38th percentile
Asset growth YoY
5.49%
64th percentile
Loan growth YoY
-4.01%
22th percentile
Share growth YoY
4.32%
59th percentile

Operations

Members / branch
3,971
69th percentile
Assets / member
$17,667
74th percentile
Field of membership penetration
8.82%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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