TRADEMARK

Charter #1133 | ME

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

TRADEMARK has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 15.7% in tier
  • + Emerging Performer: Top 20.9% in tier
  • + Relationship Depth Leader: Top 21.3% in tier
  • + Organic Growth Engine: Top 31.7% in tier
  • + Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 2.3% in tier
  • - Credit Quality Pressure: Bottom 2.4% in tier
  • - Efficiency Drag: Bottom 5.3% in tier
  • - Indirect Auto Dependency: Bottom 17.9% in tier
  • - ROA 0.39% below tier average
  • - Efficiency ratio 8.74% above tier (higher cost structure)
  • - Delinquency rate 1.00% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 8,386
+1.3% YoY-0.5% QoQ
 -7.2K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 18.9% in tier
Assets $125.4M
+5.0% YoY+1.6% QoQ
 $-105.9M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 17.2% in tier
Loans $85.2M
+9.0% YoY+0.2% QoQ
 $-62.6M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 25th in tier
Deposits $111.9M
+5.2% YoY+1.9% QoQ
 $-88.4M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 19.1% in tier
ROA 0.4%
+13.0% YoY+24.7% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 25th in tier
NIM 4.0%
+5.7% YoY+1.0% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 86.0%
-2.2% YoY-2.2% QoQ
 +8.7% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 20.4% in tier
Delinquency Rate 1.9%
+91.3% YoY+117.4% QoQ
 +1.0 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 8.8% in tier
Loan To Share 76.1%
+3.6% YoY-1.7% QoQ
 +3.4% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $23,496
+5.5% YoY+1.7% QoQ
 $-868 $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 24.9%
+15.3% YoY+10.3% QoQ
 +0.5% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 25.9%
+15.7% YoY+0.0% QoQ
 +11.9% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#434 of 1006 • Top 15.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.46%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#392 of 627 • Top 20.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.40%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.28%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Relationship Depth Leader

growth
#587 of 1006 • Top 21.3% in tier

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

Why This Signature
AMR Growth (YoY): 5.46%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(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

Organic Growth Engine

growth
#581 of 603 • Top 31.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.28%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.40%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 25.88%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Growth-at-Risk

risk
#36 of 446 • Bottom 2.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.01%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.89% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#60 of 736 • Bottom 2.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.89% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#95 of 521 • Bottom 5.3% in tier

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

Why This Signature
Efficiency Ratio: 86.02%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.05% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.28%
(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 improving

Indirect Auto Dependency

risk
#289 of 525 • Bottom 17.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.99%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 25.88%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.28%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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 (1 metrics)

200
Loan Growth Rate
growth
Value: 9.01%
Peer Avg: 3.45%
#200 of 1077 Top 18.5% in 100M-500M tier

Top Weaknesses (6 metrics)

983
Total Delinquency Rate (60+ days)
risk
Value: 1.86%
Peer Avg: 0.86%
#983 of 1077 Bottom 8.8% in 100M-500M tier
892
Total Assets
balance_sheet
Value: $125.38M
Peer Avg: $231.30M
#892 of 1077 Bottom 17.3% in 100M-500M tier
873
Total Members
engagement
Value: 8,386
Peer Avg: 15,628
#873 of 1077 Bottom 19.0% in 100M-500M tier
871
Total Deposits
balance_sheet
Value: $111.88M
Peer Avg: $200.29M
#871 of 1077 Bottom 19.2% in 100M-500M tier
858
Efficiency Ratio
profitability
Value: 86.02%
Peer Avg: 77.28%
#858 of 1077 Bottom 20.4% in 100M-500M tier
857
Indirect Auto Concentration (%)
balance_sheet
Value: 25.88%
Peer Avg: 13.34%
#857 of 1077 Bottom 20.5% in 100M-500M tier