LISBON COMMUNITY
Charter #13190 | ME
LISBON COMMUNITY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 13.7% in tier
- + Relationship Depth Leader: Top 17.2% in tier
- + Wallet Share Momentum: Top 22.7% in tier
- + Organic Growth Engine: Top 23.2% in tier
- + Organic Growth Leader: Top 27.6% in tier
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 23.0% in tier
- - Margin Compression: Bottom 25.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,421
+1.0% YoY+0.5% QoQ
|
-5.2K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
32nd in tier |
| Assets |
$203.2M
+6.5% YoY+0.9% QoQ
|
$-28.1M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
52nd in tier |
| Loans |
$99.4M
+1.8% YoY+1.4% QoQ
|
$-48.4M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
34th in tier |
| Deposits |
$179.8M
+6.4% YoY+0.8% QoQ
|
$-20.5M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
53rd in tier |
| ROA |
0.8%
-20.6% YoY-9.6% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
55th in tier |
| NIM |
3.2%
-1.3% YoY+1.2% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
27th in tier |
| Efficiency Ratio |
74.8%
+7.5% YoY+3.7% QoQ
|
-2.5% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
41st in tier |
| Delinquency Rate |
0.3%
-14.7% YoY+43.4% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 19.8% in tier |
| Loan To Share |
55.3%
-4.3% YoY+0.6% QoQ
|
-17.4% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 15.3% in tier |
| AMR |
$26,791
+3.6% YoY+0.5% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
21.3%
+0.6% YoY-3.0% QoQ
|
-3.1% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Concerns (2)
Cost Spiral
riskHistorically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Margin Compression
declineStrong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
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)