BlastPoint's Credit Union Scorecard

LINCOLN MAINE

Charter #17362 · ME

1077 CUs in 100M-500M nationally 33 in ME

LINCOLN MAINE has 13 strengths but faces 6 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

+ Organic Growth Engine: Top 4.0% in tier
+ Emerging Performer: Top 5.3% in tier
+ Profitability Leader: Top 10.3% in tier
+ Relationship Depth Leader: Top 20.3% in tier
+ Wallet Share Momentum: Top 44.2% 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

- Credit Risk Growth: Bottom 0.5% in tier
- Credit Quality Pressure: Bottom 0.8% in tier
- Indirect Auto Dependency: Bottom 14.4% 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	28%
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	42%
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	28%

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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% +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	63%
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	82%
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	50%
Indirect Auto %	20.3% -8.0% YoY-2.7% QoQ	+6.3%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

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: 13.97%, 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

Emerging Performer

growth

#11 of 191 • Top 5.3% 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: 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

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Profitability Leader

growth

#36 of 340 • Top 10.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.01%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.59% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#53 of 257 • Top 20.3% 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): 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

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#213 of 481 • Top 44.2% in tier

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

Why This Signature

AMR Growth (YoY): 7.88%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

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: 3.65%, 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: 13.97%, 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

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 1077 peers in tier

Top Strengths (11 metrics)

Return on Assets (ROA)

profitability

Value: 2.01%

Peer Avg: -

#33 of 1077 Top 3.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.07%

Peer Avg: -

#40 of 1077 Top 3.6% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.87%

Peer Avg: -

#68 of 1077 Top 6.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,401

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.33%

Peer Avg: -

#93 of 1077 Top 8.5% in 100M-500M tier

100

Average Member Relationship (AMR)

engagement

Value: $34,871

Peer Avg: -

#100 of 1077 Top 9.2% in 100M-500M tier

104

Net Charge-Off Rate

risk

Value: 0.06%

Peer Avg: -

#104 of 1077 Top 9.6% in 100M-500M tier

109

Loan Growth Rate

growth

Value: 12.23%

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

162

Member Growth Rate

growth

Value: 3.59%

Peer Avg: -

#162 of 1077 Top 14.9% in 100M-500M tier

167

AMR Growth Rate

growth

Value: 7.88%

Peer Avg: -

#167 of 1077 Top 15.4% in 100M-500M tier

Top Weaknesses (3 metrics)

981

Total Members

engagement

Value: 6,751

Peer Avg: -

#981 of 1077 Bottom 9.0% in 100M-500M tier

978

Total Delinquency Rate (60+ days)

risk

Value: 1.78%

Peer Avg: -

#978 of 1077 Bottom 9.3% in 100M-500M tier

867

Share Certificate Concentration (%)

balance_sheet

Value: 32.97%

Peer Avg: -

#867 of 1077 Bottom 19.6% in 100M-500M tier