Saco Valley

Saco, ME · 2 · Charter #68324 · www.sacovalley.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
$190.8M
88th percentile
Members
9,201
63th percentile
Total loans
$158.1M
96th percentile
Total shares
$170.0M
89th percentile

Profitability

Return on assets
0.99%
47th percentile
Net interest margin
3.21%
27th percentile
Efficiency ratio
53.73%
76th percentile
Non-interest income ratio
13.51%
32th percentile

Capital & Risk

Net worth ratio
10.72%
32th percentile
Delinquency rate
0.69%
51th percentile
Net charge-off rate
0.00%
97th percentile
Loan-to-share
92.96%
91th percentile

Growth

Member growth YoY
0.79%
67th percentile
Asset growth YoY
4.40%
55th percentile
Loan growth YoY
4.73%
70th percentile
Share growth YoY
3.70%
53th percentile

Operations

Members / branch
2,300
29th percentile
Assets / member
$20,736
87th percentile
Field of membership penetration
1.74%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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