Norstate

Madawaska, ME · 1 · Charter #4261 · www.norstatefcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$277.7M
10th percentile
Members
14,140
8th percentile
Total loans
$192.6M
17th percentile
Total shares
$242.4M
10th percentile

Profitability

Return on assets
-0.01%
4th percentile
Net interest margin
3.38%
43th percentile
Efficiency ratio
68.41%
15th percentile
Non-interest income ratio
13.97%
20th percentile

Capital & Risk

Net worth ratio
11.43%
58th percentile
Delinquency rate
1.79%
7th percentile
Net charge-off rate
0.24%
72th percentile
Loan-to-share
79.43%
47th percentile

Growth

Member growth YoY
-0.78%
35th percentile
Asset growth YoY
3.87%
41th percentile
Loan growth YoY
3.91%
50th percentile
Share growth YoY
5.03%
54th percentile

Operations

Members / branch
2,357
7th percentile
Assets / member
$19,640
74th percentile
Field of membership penetration
29.46%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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