MAINE SAVINGS

Charter #14565 | ME

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in ME

MAINE SAVINGS has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 8.7% in tier
  • + Organic Growth Engine: Top 15.1% in tier
  • + Relationship Depth Leader: Top 21.9% in tier
  • + Wallet Share Momentum: Top 26.6% in tier
  • + Net Interest Margin 0.28% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.6% in tier
  • - Growth-at-Risk: Bottom 2.3% in tier
  • - Efficiency Drag: Bottom 22.0% in tier
  • - ROA 0.34% below tier average
  • - Efficiency ratio 9.32% above tier (higher cost structure)
  • - Delinquency rate 0.74% above tier average
  • - Net Worth Ratio: Bottom 8.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 42,637
+4.1% YoY+1.0% QoQ
 -9.5K 52,114
-2.1% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $837.8M
+5.7% YoY+2.7% QoQ
 $-21.2M $859.0M
+0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 43rd in tier
Loans $662.8M
+8.5% YoY+0.7% QoQ
 +$59.4M $603.4M
+1.0% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 65th in tier
Deposits $749.3M
+5.9% YoY+2.8% QoQ
 +$15.2M $734.2M
+0.9% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 62nd in tier
ROA 0.4%
-35.7% YoY+72.7% QoQ
 -0.3% 0.7%
+27.6% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Bottom 25.0% in tier
NIM 3.7%
+6.1% YoY-0.7% QoQ
 +0.3% 3.4%
+9.6% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 83.8%
+2.9% YoY-1.7% QoQ
 +9.3% 74.5%
-3.2% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 17.9% in tier
Delinquency Rate 1.6%
+213.2% YoY+31.6% QoQ
 +0.7 0.8%
+5.0% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 9.8% in tier
Loan To Share 88.5%
+2.4% YoY-2.0% QoQ
 +5.8% 82.7%
+0.1% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 57th in tier
AMR $33,120
+2.9% YoY+0.8% QoQ
 +$4K $28,651
+2.5% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 25.0% in tier
CD Concentration 31.8%
-0.7% YoY+3.8% QoQ
 +7.4% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 Top 24.6% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#116 of 430 • Top 8.7% in tier

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

Why This Signature
Member Growth (YoY): 4.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#277 of 603 • Top 15.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.37%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#604 of 1006 • Top 21.9% in tier

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

Why This Signature
AMR Growth (YoY): 2.89%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#735 of 1006 • Top 26.6% in tier

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

Why This Signature
AMR Growth (YoY): 2.89%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#40 of 736 • Bottom 1.6% in tier

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

Why This Signature
Delinquency Change (YoY): 1.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#35 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): 8.47%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Efficiency Drag

risk
#388 of 521 • Bottom 22.0% in tier

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

Why This Signature
Efficiency Ratio: 83.84%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.20% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.08%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 112 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
22
Member Growth Rate
growth
Value: 4.08%
Peer Avg: 1.14%
#22 of 112 Top 18.8% in 750M-1B tier
22
Loan-to-Member Ratio (LMR)
engagement
Value: $15,545
Peer Avg: $12,810
#22 of 112 Top 18.8% in 750M-1B tier
28
Average Member Relationship (AMR)
engagement
Value: $33,120
Peer Avg: $28,651
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (4 metrics)

104
Net Worth Ratio
risk
Value: 7.65%
Peer Avg: 11.52%
#104 of 112 Bottom 8.0% in 750M-1B tier
102
Total Delinquency Rate (60+ days)
risk
Value: 1.56%
Peer Avg: 0.82%
#102 of 112 Bottom 9.8% in 750M-1B tier
99
Members Per Employee (MPE)
engagement
Value: 255.311
Peer Avg: 361.634
#99 of 112 Bottom 12.5% in 750M-1B tier
93
Efficiency Ratio
profitability
Value: 83.84%
Peer Avg: 74.52%
#93 of 112 Bottom 17.9% in 750M-1B tier