BlastPoint's Credit Union Scorecard
LINCOLN MAINE
Charter #17362 · ME
LINCOLN MAINE has 8 strengths but faces 2 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 1.12% above tier average
- + Net Interest Margin 0.09% above tier average
- + Deposit Growth Rate: Top 2.1% in tier
- + Efficiency Ratio: Top 2.3% in tier
- + Asset Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.19% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +17.3% year over year ($143M in shares and deposits).
- Membership: 6,961 members, +4.3% vs a year ago.
- Delinquency rate 1.07%.
- Return on assets 1.98%.
- Efficiency ratio 51.31% vs a 76.73% peer average.
- Loan-to-share ratio 81.73% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,961
+4.3% YoY+0.6% QoQ
|
-8.2K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
Bottom 11.8% in tier |
| Assets |
$162.8M
+17.2% YoY+0.7% QoQ
|
$-69.2M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$116.5M
+8.9% YoY+1.5% QoQ
|
$-29.8M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$142.6M
+17.3% YoY+0.3% QoQ
|
$-58.2M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
2.0%
+1.7% YoY+12.1% QoQ
|
+1.1% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
Top 3.5% in tier |
| NIM |
3.8%
-0.5% YoY+4.0% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
51.3%
-9.2% YoY-0.5% QoQ
|
-25.4% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
1.1%
-3.4% YoY+0.4% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
81.7%
-7.1% YoY+1.2% QoQ
|
+10.2% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$37,216
+8.7% YoY+0.2% QoQ
|
+$12K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 8.0% in tier |
| CD Concentration |
36.6%
+12.3% YoY-0.6% QoQ
|
+12.1% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
18.7%
-10.3% YoY-2.9% QoQ
|
+5.1% | 13.6% | 16.8% | 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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)