BlastPoint's Credit Union Scorecard
LINCOLN MAINE
Charter #17362 · ME
LINCOLN MAINE has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.04% above tier average
- + Deposit Growth Rate: Top 1.6% in tier
- + Asset Growth Rate: Top 1.8% in tier
- + Efficiency Ratio: Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 0.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,920
+4.7% YoY+1.0% QoQ
|
-8.2K |
15,145
-2.5% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
Bottom 10.8% in tier |
| Assets |
$161.6M
+18.9% YoY+9.6% QoQ
|
$-70.1M |
$231.7M
+0.8% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$114.8M
+9.3% YoY+0.2% QoQ
|
$-29.3M |
$144.1M
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$142.2M
+19.1% YoY+10.4% QoQ
|
$-59.0M |
$201.1M
+0.4% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
1.8%
-5.3% YoY-9.6% QoQ
|
+1.0% |
0.7%
+5.1% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
Top 6.4% in tier |
| NIM |
3.6%
-2.1% YoY-4.1% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
51.5%
-8.2% YoY-2.7% QoQ
|
-26.5% |
78.0%
-1.7% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
Top 2.5% in tier |
| Delinquency Rate |
1.1%
+10.3% YoY-33.0% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
80.7%
-8.2% YoY-9.3% QoQ
|
+10.3% |
70.4%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$37,138
+9.4% YoY+4.5% QoQ
|
+$12K |
$24,918
+2.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 7.9% in tier |
| CD Concentration |
36.9%
+17.9% YoY+7.2% QoQ
|
+12.6% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % |
19.2%
-6.8% YoY-0.8% QoQ
|
+5.4% | 13.8% | 16.4% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)