WINTHROP AREA

Charter #2301 | ME

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

WINTHROP AREA has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.3% in tier
  • + Wallet Share Momentum: Top 12.2% in tier
  • + Relationship Depth Leader: Top 26.5% in tier
  • + Organic Growth Engine: Top 27.8% in tier
  • + ROA 0.25% above tier average
  • + Members Per Employee (MPE): Top 5.6% in tier
  • + Asset Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.9% in tier
  • - Credit Quality Pressure: Bottom 26.6% in tier
  • - Growth-at-Risk: Bottom 28.3% in tier
  • - Total Assets: Bottom 1.9% in tier
  • - Total Deposits: Bottom 3.5% in tier
  • - Indirect Auto Concentration (%): Bottom 6.5% in tier
  • - Total Loans: Bottom 7.6% in tier
  • - Fee Income Per Member: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 7,994
+0.9% YoY+0.1% QoQ
 -7.6K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 16.2% in tier
Assets $103.0M
+10.5% YoY+1.3% QoQ
 $-128.3M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 1.8% in tier
Loans $55.9M
+2.7% YoY+0.3% QoQ
 $-91.9M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Bottom 7.5% in tier
Deposits $90.7M
+10.3% YoY+0.7% QoQ
 $-109.6M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 3.4% in tier
ROA 1.0%
-1.0% YoY+4.8% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 3.5%
+1.8% YoY-0.1% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 45th in tier
Efficiency Ratio 73.1%
+1.6% YoY-2.5% QoQ
 -4.2% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 34th in tier
Delinquency Rate 0.4%
+8.0% YoY+73.3% QoQ
 -0.5 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Bottom 24.1% in tier
Loan To Share 61.6%
-6.9% YoY-0.4% QoQ
 -11.1% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Bottom 24.2% in tier
AMR $18,339
+6.3% YoY+0.4% QoQ
 $-6K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 24.7% in tier
CD Concentration 25.9%
+2.9% YoY-0.1% QoQ
 +1.5% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 43.7%
+5.0% YoY+1.9% QoQ
 +29.8% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#195 of 627 • Top 10.3% in tier

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

Why This Signature
Return on Assets: 1.04%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Wallet Share Momentum

growth
#337 of 1006 • Top 12.2% in tier

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

Why This Signature
AMR Growth (YoY): 6.28%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#732 of 1006 • Top 26.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.28%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.5K
(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 | New qualifier

Organic Growth Engine

growth
#510 of 603 • Top 27.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.04%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 43.74%
(Tier: 13.96%, 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 | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#15 of 525 • Bottom 0.9% in tier

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

Why This Signature
Asset Growth (YoY): 10.45%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 43.74%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.95%
(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 | New qualifier

Credit Quality Pressure

risk
#659 of 736 • Bottom 26.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Growth-at-Risk

risk
#424 of 446 • Bottom 28.3% in tier

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

Why This Signature
Loan Growth (YoY): 2.71%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

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 (6 metrics)

61
Members Per Employee (MPE)
engagement
Value: 499.625
Peer Avg: 332.881
#61 of 1077 Top 5.6% in 100M-500M tier
106
Asset Growth Rate
growth
Value: 10.45%
Peer Avg: 4.70%
#106 of 1077 Top 9.7% in 100M-500M tier
114
Deposit Growth Rate
growth
Value: 10.31%
Peer Avg: 4.69%
#114 of 1077 Top 10.5% in 100M-500M tier
180
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.47%
#180 of 1077 Top 16.6% in 100M-500M tier
261
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Avg: 0.86%
#261 of 1077 Top 24.1% in 100M-500M tier
265
AMR Growth Rate
growth
Value: 6.28%
Peer Avg: 3.64%
#265 of 1077 Top 24.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1058
Total Assets
balance_sheet
Value: $103.03M
Peer Avg: $231.30M
#1058 of 1077 Bottom 1.9% in 100M-500M tier
1040
Total Deposits
balance_sheet
Value: $90.71M
Peer Avg: $200.29M
#1040 of 1077 Bottom 3.5% in 100M-500M tier
1008
Indirect Auto Concentration (%)
balance_sheet
Value: 43.74%
Peer Avg: 13.34%
#1008 of 1077 Bottom 6.5% in 100M-500M tier
996
Total Loans
balance_sheet
Value: $55.89M
Peer Avg: $147.80M
#996 of 1077 Bottom 7.6% in 100M-500M tier
976
Fee Income Per Member
profitability
Value: $85.78
Peer Avg: $174.31
#976 of 1077 Bottom 9.5% in 100M-500M tier
902
Total Members
engagement
Value: 7,994
Peer Avg: 15,628
#902 of 1077 Bottom 16.3% in 100M-500M tier
830
Loan-to-Member Ratio (LMR)
engagement
Value: $6,991
Peer Avg: $10,245
#830 of 1077 Bottom 23.0% in 100M-500M tier
816
Loan-to-Share Ratio
balance_sheet
Value: 61.61%
Peer Avg: 72.70%
#816 of 1077 Bottom 24.3% in 100M-500M tier
811
Average Member Relationship (AMR)
engagement
Value: $18,339
Peer Avg: $24,363
#811 of 1077 Bottom 24.8% in 100M-500M tier