LINCOLN MAINE

Charter #17362 | ME

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

LINCOLN MAINE has 12 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.4% in tier
  • + Organic Growth Engine: Top 4.0% in tier
  • + Wallet Share Momentum: Top 7.7% in tier
  • + Relationship Depth Leader: Top 12.7% in tier
  • + ROA 1.23% above tier average
  • + Net Interest Margin 0.22% above tier average
  • + Efficiency Ratio: Top 3.6% in tier
  • + Asset Growth Rate: Top 6.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.4% in tier
  • + Deposit Growth Rate: Top 8.5% in tier
  • + Average Member Relationship (AMR): Top 9.2% in tier
  • + Net Charge-Off Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 0.5% in tier
  • - Credit Quality Pressure: Bottom 0.8% in tier
  • - Indirect Auto Dependency: Bottom 14.4% in tier
  • - Liquidity Overhang: Bottom 34.9% in tier
  • - Delinquency rate 0.92% above tier average
  • - Total Members: Bottom 9.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 6,751
+3.6% YoY+1.2% QoQ
 -8.9K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 8.9% in tier
Assets $142.6M
+11.9% YoY+2.7% QoQ
 $-88.7M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $110.7M
+12.2% YoY+3.5% QoQ
 $-37.1M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 42nd in tier
Deposits $124.7M
+11.3% YoY+2.6% QoQ
 $-75.6M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 28th in tier
ROA 2.0%
+41.6% YoY+3.4% QoQ
 +1.2% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Top 3.1% in tier
NIM 3.8%
+13.8% YoY+0.4% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 54.1%
-16.8% YoY-4.3% QoQ
 -23.2% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Bottom 3.6% in tier
Delinquency Rate 1.8%
+327.4% YoY+61.3% QoQ
 +0.9 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 9.3% in tier
Loan To Share 88.8%
+0.8% YoY+0.9% QoQ
 +16.1% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 17.7% in tier
AMR $34,871
+7.9% YoY+1.8% QoQ
 +$11K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 9.3% in tier
CD Concentration 33.0%
+13.9% YoY+1.0% QoQ
 +8.6% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 20.3%
-8.0% YoY-2.7% QoQ
 +6.3% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#8 of 627 • Top 0.4% in tier

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

Why This Signature
Return on Assets: 2.01%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.59%
(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

Organic Growth Engine

growth
#75 of 603 • Top 4.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.59%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.01%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 20.28%
(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

Wallet Share Momentum

growth
#213 of 1006 • Top 7.7% in tier

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

Why This Signature
AMR Growth (YoY): 7.88%
(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 worsening

Relationship Depth Leader

growth
#352 of 1006 • Top 12.7% in tier

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

Why This Signature
AMR Growth (YoY): 7.88%
(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

Concerns (4)

Growth-at-Risk

risk
#9 of 446 • Bottom 0.5% in tier

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

Why This Signature
Loan Growth (YoY): 12.23%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.36% 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
#21 of 736 • Bottom 0.8% in tier

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

Why This Signature
Delinquency Change (YoY): 1.36% 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

Indirect Auto Dependency

risk
#232 of 525 • Bottom 14.4% in tier

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

Why This Signature
Asset Growth (YoY): 11.87%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.28%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.59%
(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

Liquidity Overhang

risk
#540 of 552 • Bottom 34.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.20%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.80%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 (11 metrics)

33
Return on Assets (ROA)
profitability
Value: 2.01%
Peer Avg: 0.79%
#33 of 1077 Top 3.0% in 100M-500M tier
40
Efficiency Ratio
profitability
Value: 54.07%
Peer Avg: 77.28%
#40 of 1077 Top 3.6% in 100M-500M tier
68
Asset Growth Rate
growth
Value: 11.87%
Peer Avg: 4.70%
#68 of 1077 Top 6.2% in 100M-500M tier
81
Loan-to-Member Ratio (LMR)
engagement
Value: $16,401
Peer Avg: $10,245
#81 of 1077 Top 7.4% in 100M-500M tier
93
Deposit Growth Rate
growth
Value: 11.33%
Peer Avg: 4.69%
#93 of 1077 Top 8.5% in 100M-500M tier
100
Average Member Relationship (AMR)
engagement
Value: $34,871
Peer Avg: $24,363
#100 of 1077 Top 9.2% in 100M-500M tier
104
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.47%
#104 of 1077 Top 9.6% in 100M-500M tier
109
Loan Growth Rate
growth
Value: 12.23%
Peer Avg: 3.45%
#109 of 1077 Top 10.0% in 100M-500M tier
162
Member Growth Rate
growth
Value: 3.59%
Peer Avg: 0.72%
#162 of 1077 Top 14.9% in 100M-500M tier
167
AMR Growth Rate
growth
Value: 7.88%
Peer Avg: 3.64%
#167 of 1077 Top 15.4% in 100M-500M tier

Top Weaknesses (3 metrics)

981
Total Members
engagement
Value: 6,751
Peer Avg: 15,628
#981 of 1077 Bottom 9.0% in 100M-500M tier
978
Total Delinquency Rate (60+ days)
risk
Value: 1.78%
Peer Avg: 0.86%
#978 of 1077 Bottom 9.3% in 100M-500M tier
867
Share Certificate Concentration (%)
balance_sheet
Value: 32.97%
Peer Avg: 23.61%
#867 of 1077 Bottom 19.6% in 100M-500M tier