BlastPoint's Credit Union Scorecard

LINCOLN MAINE

Charter #17362 · ME

1069 CUs in 100M-500M nationally 32 in ME

LINCOLN MAINE has 12 strengths but faces 5 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 4.4% in tier
+ Organic Growth Engine: Top 7.9% in tier
+ Organic Growth Leader: Top 25.4% in tier
+ Relationship Depth Leader: Top 33.3% in tier
+ Wallet Share Momentum: Top 68.8% in tier
+ ROA 1.19% above tier average
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio: Top 2.8% in tier
+ Loan-to-Member Ratio (LMR): Top 6.9% in tier
+ Asset Growth Rate: Top 7.2% in tier
+ Deposit Growth Rate: Top 8.0% in tier
+ Average Member Relationship (AMR): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.8% in tier
- Credit Quality Pressure: Bottom 8.8% in tier
- Indirect Auto Dependency: Bottom 53.3% in tier
- Delinquency rate 0.69% above tier average
- Total Members: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	6,851 +4.4% YoY+1.5% QoQ	-8.6K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	Bottom 9.7% in tier
Assets	$147.4M +12.3% YoY+3.4% QoQ	$-84.4M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	30%
Loans	$114.6M +11.0% YoY+3.5% QoQ	$-32.7M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	44%
Deposits	$128.8M +11.6% YoY+3.3% QoQ	$-72.1M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% +35.6% YoY-2.9% QoQ	+1.2%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	Top 2.5% in tier
NIM	3.8% +11.7% YoY-0.7% QoQ	+0.2%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	53.0% -16.5% YoY-2.1% QoQ	-24.1%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	Bottom 2.8% in tier
Delinquency Rate	1.6% +95.2% YoY-11.0% QoQ	+0.7	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	Top 12.2% in tier
Loan To Share	89.0% -0.5% YoY+0.2% QoQ	+16.8%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	83%
AMR	$35,523 +6.7% YoY+1.9% QoQ	+$11K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	Top 8.6% in tier
CD Concentration	34.4% +12.7% YoY+4.4% QoQ	+10.0%	24.4%	25.1%	19.8%	50%
Indirect Auto %	19.4% -6.0% YoY-4.3% QoQ	+5.6%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (5)

Emerging Performer

growth

#9 of 182 • Top 4.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.95%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 4.36%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Engine

growth

#48 of 595 • Top 7.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.36%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.95%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 19.40%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#109 of 426 • Top 25.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.36%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 19.40%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#90 of 268 • Top 33.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.68%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.4K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#353 of 513 • Top 68.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.68%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#23 of 456 • Bottom 4.8% in tier

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

Why This Signature

Loan Growth (YoY): 11.04%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.77% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#63 of 705 • Bottom 8.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.77% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#270 of 506 • Bottom 53.3% in tier

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

Why This Signature

Asset Growth (YoY): 12.32%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 19.40%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.36%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (10 metrics)

Return on Assets (ROA)

profitability

Value: 1.95%

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

Efficiency Ratio

profitability

Value: 52.96%

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,729

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.32%

Peer Median: -

#78 of 1069 Top 7.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.58%

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,523

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

127

Member Growth Rate

growth

Value: 4.36%

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

141

Loan Growth Rate

growth

Value: 11.04%

Peer Median: -

#141 of 1069 Top 13.1% in 100M-500M tier

181

Loan-to-Share Ratio

balance_sheet

Value: 89.01%

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

244

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: -

#244 of 1069 Top 22.7% in 100M-500M tier

Top Weaknesses (4 metrics)

964

Total Members

engagement

Value: 6,851

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

940

Total Delinquency Rate (60+ days)

risk

Value: 1.59%

Peer Median: -

#940 of 1069 Bottom 12.2% in 100M-500M tier

890

Share Certificate Concentration (%)

balance_sheet

Value: 34.41%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

807

First Mortgage Concentration (%)

balance_sheet

Value: 42.33%

Peer Median: -

#807 of 1069 Bottom 24.6% in 100M-500M tier