Midcoast

Freeport, ME · 1 · Charter #10898 · www.midcoastfcu.me
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
$266.8M
6th percentile
Members
16,007
11th percentile
Total loans
$215.6M
26th percentile
Total shares
$232.0M
7th percentile

Profitability

Return on assets
0.65%
30th percentile
Net interest margin
3.58%
59th percentile
Efficiency ratio
69.51%
12th percentile
Non-interest income ratio
21.64%
66th percentile

Capital & Risk

Net worth ratio
10.97%
52th percentile
Delinquency rate
0.34%
84th percentile
Net charge-off rate
0.17%
81th percentile
Loan-to-share
92.93%
80th percentile

Growth

Member growth YoY
1.34%
61th percentile
Asset growth YoY
3.45%
37th percentile
Loan growth YoY
3.41%
46th percentile
Share growth YoY
2.17%
29th percentile

Operations

Members / branch
3,201
21th percentile
Assets / member
$16,669
55th percentile
Field of membership penetration
3.41%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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