MIDCOAST

Charter #10898 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

MIDCOAST has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 27.2% in tier
  • + Organic Growth Engine: Top 30.6% in tier
  • + Relationship Depth Leader: Top 32.6% in tier
  • + Wallet Share Momentum: Top 33.9% in tier
  • + Loan-to-Share Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 13.6% in tier
  • - Liquidity Strain: Bottom 21.2% in tier
  • - Flatlined Growth: Bottom 52.4% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 8.52% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 15,962
+1.1% YoY+0.3% QoQ
 +333 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 61st in tier
Assets $264.6M
+1.3% YoY+0.0% QoQ
 +$33.3M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $216.5M
+3.8% YoY+0.8% QoQ
 +$68.7M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Top 21.1% in tier
Deposits $231.2M
+1.1% YoY-0.8% QoQ
 +$30.9M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.5%
+115.9% YoY+17.8% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.6%
+12.5% YoY+2.5% QoQ
 -0.0% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 48th in tier
Efficiency Ratio 85.8%
-8.0% YoY-2.0% QoQ
 +8.5% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 21.2% in tier
Delinquency Rate 0.2%
-14.1% YoY-15.7% QoQ
 -0.6 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Bottom 13.4% in tier
Loan To Share 93.7%
+2.6% YoY+1.6% QoQ
 +21.0% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 9.5% in tier
AMR $28,047
+1.3% YoY-0.4% QoQ
 +$4K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 22.9% in tier
CD Concentration 23.0%
-5.0% YoY-0.8% QoQ
 -1.4% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 12.8%
+19.6% YoY+3.6% QoQ
 -1.1% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#359 of 430 • Top 27.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#561 of 603 • Top 30.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.52%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 12.81%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth
#898 of 1006 • Top 32.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.28%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#936 of 1006 • Top 33.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.28%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk
#241 of 521 • Bottom 13.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.80%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.28% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.08%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Strain

risk
#165 of 258 • Bottom 21.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.67%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.75%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Flatlined Growth

risk
#55 of 58 • Bottom 52.4% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $264.58M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.28%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.52%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

102
Loan-to-Share Ratio
balance_sheet
Value: 93.67%
Peer Avg: 72.70%
#102 of 1077 Top 9.4% in 100M-500M tier
145
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Avg: 0.86%
#145 of 1077 Top 13.4% in 100M-500M tier
161
Loan-to-Member Ratio (LMR)
engagement
Value: $13,566
Peer Avg: $10,245
#161 of 1077 Top 14.9% in 100M-500M tier
206
Net Charge-Off Rate
risk
Value: 0.13%
Peer Avg: 0.47%
#206 of 1077 Top 19.0% in 100M-500M tier
227
Total Loans
balance_sheet
Value: $216.54M
Peer Avg: $147.80M
#227 of 1077 Top 21.0% in 100M-500M tier
247
Average Member Relationship (AMR)
engagement
Value: $28,047
Peer Avg: $24,363
#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (3 metrics)

968
First Mortgage Concentration (%)
balance_sheet
Value: 53.65%
Peer Avg: 30.43%
#968 of 1077 Bottom 10.2% in 100M-500M tier
966
Members Per Employee (MPE)
engagement
Value: 228.029
Peer Avg: 332.881
#966 of 1077 Bottom 10.4% in 100M-500M tier
850
Efficiency Ratio
profitability
Value: 85.80%
Peer Avg: 77.28%
#850 of 1077 Bottom 21.2% in 100M-500M tier