MAINE HIGHLANDS

Charter #17398 | ME

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

MAINE HIGHLANDS has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.1% in tier
  • + Emerging Performer: Top 8.3% in tier
  • + Relationship Depth Leader: Top 16.1% in tier
  • + Organic Growth Engine: Top 19.7% in tier
  • + Organic Growth Leader: Top 26.9% in tier
  • + ROA 0.37% above tier average
  • + Net Interest Margin 0.31% above tier average
  • + Asset Growth Rate: Top 5.9% in tier
  • + Deposit Growth Rate: Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.8% in tier
  • - Growth-at-Risk: Bottom 4.5% in tier
  • - Margin Compression: Bottom 9.8% in tier
  • - Delinquency rate 1.35% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
  • - First Mortgage Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 14,251
+1.1% YoY+0.5% QoQ
 -1.4K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $220.5M
+12.2% YoY+0.5% QoQ
 $-10.8M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 57th in tier
Loans $138.5M
+6.4% YoY+1.4% QoQ
 $-9.3M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 56th in tier
Deposits $195.8M
+12.5% YoY+0.5% QoQ
 $-4.5M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 1.2%
-22.2% YoY-2.8% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Top 24.5% in tier
NIM 3.9%
-11.4% YoY-0.4% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 72.4%
+2.5% YoY+1.1% QoQ
 -4.9% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 32nd in tier
Delinquency Rate 2.2%
+59.6% YoY+64.6% QoQ
 +1.4 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 4.7% in tier
Loan To Share 70.7%
-5.5% YoY+0.8% QoQ
 -2.0% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $23,454
+8.7% YoY+0.4% QoQ
 $-909 $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 56th in tier
CD Concentration 34.7%
+35.9% YoY+0.8% QoQ
 +10.2% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.5%
-7.6% YoY-2.3% QoQ
 -12.5% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#170 of 1006 • Top 6.1% in tier

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

Why This Signature
AMR Growth (YoY): 8.69%
(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

Emerging Performer

growth
#156 of 627 • Top 8.3% in tier

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

Why This Signature
Return on Assets: 1.15%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.11%
(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 worsening

Relationship Depth Leader

growth
#445 of 1006 • Top 16.1% in tier

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

Why This Signature
AMR Growth (YoY): 8.69%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(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

Organic Growth Engine

growth
#362 of 603 • Top 19.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.11%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.15%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 1.46%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#355 of 430 • Top 26.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.11%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk
#69 of 736 • Bottom 2.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.83% 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

Growth-at-Risk

risk
#69 of 446 • Bottom 4.5% in tier

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

Why This Signature
Loan Growth (YoY): 6.37%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.83% 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

Margin Compression

decline
#42 of 136 • Bottom 9.8% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.15%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.33% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $220.54M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY

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 (4 metrics)

65
Asset Growth Rate
growth
Value: 12.20%
Peer Avg: 4.70%
#65 of 1077 Top 5.9% in 100M-500M tier
71
Deposit Growth Rate
growth
Value: 12.55%
Peer Avg: 4.69%
#71 of 1077 Top 6.5% in 100M-500M tier
132
AMR Growth Rate
growth
Value: 8.69%
Peer Avg: 3.64%
#132 of 1077 Top 12.2% in 100M-500M tier
264
Return on Assets (ROA)
profitability
Value: 1.15%
Peer Avg: 0.79%
#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1027
Total Delinquency Rate (60+ days)
risk
Value: 2.21%
Peer Avg: 0.86%
#1027 of 1077 Bottom 4.7% in 100M-500M tier
998
First Mortgage Concentration (%)
balance_sheet
Value: 57.36%
Peer Avg: 30.43%
#998 of 1077 Bottom 7.4% in 100M-500M tier
906
Share Certificate Concentration (%)
balance_sheet
Value: 34.65%
Peer Avg: 23.61%
#906 of 1077 Bottom 16.0% in 100M-500M tier
884
Members Per Employee (MPE)
engagement
Value: 250.018
Peer Avg: 332.881
#884 of 1077 Bottom 18.0% in 100M-500M tier