ACADIA

Charter #15619 | ME

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

ACADIA has 13 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 6.0% in tier
  • + Organic Growth Engine: Top 9.5% in tier
  • + Relationship Depth Leader: Top 15.9% in tier
  • + Wallet Share Momentum: Top 23.6% in tier
  • + ROA 0.15% above tier average
  • + Net Interest Margin 0.36% above tier average
  • + Strong member growth: 5.1% YoY
  • + Total Loans: Top 3.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 4.9% in tier
  • + Loan-to-Share Ratio: Top 7.0% in tier
  • + Average Member Relationship (AMR): Top 7.1% in tier
  • + Member Growth Rate: Top 9.0% in tier
  • + Loan Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 5.5% in tier
  • - Liquidity Strain: Bottom 8.4% in tier
  • - Credit Quality Pressure: Bottom 15.2% in tier
  • - Indirect Auto Dependency: Bottom 26.8% in tier
  • - Members Per Employee (MPE): Bottom 5.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 18,099
+5.1% YoY+1.3% QoQ
 +2.5K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $392.4M
+5.8% YoY+1.6% QoQ
 +$161.1M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Top 11.9% in tier
Loans $331.1M
+12.6% YoY+2.8% QoQ
 +$183.3M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Top 3.1% in tier
Deposits $346.1M
+5.2% YoY+1.5% QoQ
 +$145.8M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Top 10.7% in tier
ROA 0.9%
-4.6% YoY+17.7% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 3.9%
+8.4% YoY+2.4% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 70th in tier
Efficiency Ratio 74.0%
-2.1% YoY-2.4% QoQ
 -3.3% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 38th in tier
Delinquency Rate 0.8%
+28.4% YoY-41.8% QoQ
 -0.0 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 95.7%
+7.0% YoY+1.4% QoQ
 +23.0% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 7.1% in tier
AMR $37,415
+3.4% YoY+0.8% QoQ
 +$13K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 7.1% in tier
CD Concentration 34.7%
+5.0% YoY+6.7% QoQ
 +10.3% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 19.1%
+20.3% YoY+5.5% QoQ
 +5.2% 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
#80 of 430 • Top 6.0% in tier

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

Why This Signature
Member Growth (YoY): 5.09%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#175 of 603 • Top 9.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.09%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.94%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 19.12%
(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 worsening

Relationship Depth Leader

growth
#438 of 1006 • Top 15.9% in tier

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

Why This Signature
AMR Growth (YoY): 3.43%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#651 of 1006 • Top 23.6% in tier

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

Why This Signature
AMR Growth (YoY): 3.43%
(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 (4)

Growth-at-Risk

risk
#83 of 446 • Bottom 5.5% in tier

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

Why This Signature
Loan Growth (YoY): 12.60%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.19% 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

Liquidity Strain

risk
#66 of 258 • Bottom 8.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.68%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.60%
(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 | New qualifier

Credit Quality Pressure

risk
#376 of 736 • Bottom 15.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.19% 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 worsening

Indirect Auto Dependency

risk
#432 of 525 • Bottom 26.8% in tier

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

Why This Signature
Asset Growth (YoY): 5.77%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.12%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.09%
(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 (9 metrics)

33
Total Loans
balance_sheet
Value: $331.11M
Peer Avg: $147.80M
#33 of 1077 Top 3.0% in 100M-500M tier
54
Loan-to-Member Ratio (LMR)
engagement
Value: $18,294
Peer Avg: $10,245
#54 of 1077 Top 4.9% in 100M-500M tier
76
Loan-to-Share Ratio
balance_sheet
Value: 95.68%
Peer Avg: 72.70%
#76 of 1077 Top 7.0% in 100M-500M tier
77
Average Member Relationship (AMR)
engagement
Value: $37,415
Peer Avg: $24,363
#77 of 1077 Top 7.1% in 100M-500M tier
98
Member Growth Rate
growth
Value: 5.09%
Peer Avg: 0.72%
#98 of 1077 Top 9.0% in 100M-500M tier
100
Loan Growth Rate
growth
Value: 12.60%
Peer Avg: 3.45%
#100 of 1077 Top 9.2% in 100M-500M tier
115
Total Deposits
balance_sheet
Value: $346.07M
Peer Avg: $200.29M
#115 of 1077 Top 10.6% in 100M-500M tier
128
Total Assets
balance_sheet
Value: $392.36M
Peer Avg: $231.30M
#128 of 1077 Top 11.8% in 100M-500M tier
144
Net Charge-Off Rate
risk
Value: 0.08%
Peer Avg: 0.47%
#144 of 1077 Top 13.3% in 100M-500M tier

Top Weaknesses (3 metrics)

1023
Members Per Employee (MPE)
engagement
Value: 208.034
Peer Avg: 332.881
#1023 of 1077 Bottom 5.1% in 100M-500M tier
907
Share Certificate Concentration (%)
balance_sheet
Value: 34.67%
Peer Avg: 23.61%
#907 of 1077 Bottom 15.9% in 100M-500M tier
832
First Mortgage Concentration (%)
balance_sheet
Value: 43.08%
Peer Avg: 30.43%
#832 of 1077 Bottom 22.8% in 100M-500M tier