MAINE FAMILY

Charter #2644 | ME

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

MAINE FAMILY has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 9.6% in tier
  • + Relationship Depth Leader: Top 14.0% in tier
  • + Organic Growth Leader: Top 14.5% in tier
  • + Organic Growth Engine: Top 21.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 14.8% in tier
  • - Credit Quality Pressure: Bottom 22.5% in tier
  • - ROA 0.07% below tier average
  • - Efficiency ratio 0.43% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 7.4% in tier
  • - Net Worth Ratio: Bottom 9.3% in tier
  • - Loan-to-Share Ratio: Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 18,762
+2.8% YoY+0.9% QoQ
 +3.1K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 71st in tier
Assets $278.2M
+10.0% YoY+2.1% QoQ
 +$46.9M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $122.2M
+9.9% YoY+6.1% QoQ
 $-25.6M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 49th in tier
Deposits $253.0M
+10.3% YoY+2.0% QoQ
 +$52.7M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 0.7%
+49.7% YoY+0.7% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 46th in tier
NIM 2.6%
+14.3% YoY+2.6% QoQ
 -1.0% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Bottom 7.3% in tier
Efficiency Ratio 77.7%
-6.7% YoY-0.1% QoQ
 +0.4% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 0.3%
+30.2% YoY+125.2% QoQ
 -0.6 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Bottom 16.4% in tier
Loan To Share 48.3%
-0.4% YoY+4.0% QoQ
 -24.4% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Bottom 9.3% in tier
AMR $19,994
+7.2% YoY+2.4% QoQ
 $-4K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 18.1%
+16.5% YoY+0.4% QoQ
 -6.3% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 11.8%
+114.2% YoY+32.7% QoQ
 -2.2% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#266 of 1006 • Top 9.6% in tier

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

Why This Signature
AMR Growth (YoY): 7.18%
(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 improving

Relationship Depth Leader

growth
#386 of 1006 • Top 14.0% in tier

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

Why This Signature
AMR Growth (YoY): 7.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(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 improving

Organic Growth Leader

growth
#192 of 430 • Top 14.5% in tier

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

Why This Signature
Member Growth (YoY): 2.78%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#390 of 603 • Top 21.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.78%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.71%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 11.75%
(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 | New qualifier

Concerns (2)

Growth-at-Risk

risk
#223 of 446 • Bottom 14.8% in tier

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

Why This Signature
Loan Growth (YoY): 9.85%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% 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 | New qualifier

Credit Quality Pressure

risk
#557 of 736 • Bottom 22.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% 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 | 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 (8 metrics)

113
Deposit Growth Rate
growth
Value: 10.31%
Peer Avg: 4.69%
#113 of 1077 Top 10.4% in 100M-500M tier
122
Asset Growth Rate
growth
Value: 9.99%
Peer Avg: 4.70%
#122 of 1077 Top 11.2% in 100M-500M tier
170
Loan Growth Rate
growth
Value: 9.85%
Peer Avg: 3.45%
#170 of 1077 Top 15.7% in 100M-500M tier
170
Members Per Employee (MPE)
engagement
Value: 416.933
Peer Avg: 332.881
#170 of 1077 Top 15.7% in 100M-500M tier
178
Total Delinquency Rate (60+ days)
risk
Value: 0.27%
Peer Avg: 0.86%
#178 of 1077 Top 16.4% in 100M-500M tier
209
AMR Growth Rate
growth
Value: 7.18%
Peer Avg: 3.64%
#209 of 1077 Top 19.3% in 100M-500M tier
233
Member Growth Rate
growth
Value: 2.78%
Peer Avg: 0.72%
#233 of 1077 Top 21.5% in 100M-500M tier
238
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.47%
#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (4 metrics)

998
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Avg: 3.58%
#998 of 1077 Bottom 7.4% in 100M-500M tier
978
Net Worth Ratio
risk
Value: 8.66%
Peer Avg: 12.15%
#978 of 1077 Bottom 9.3% in 100M-500M tier
977
Loan-to-Share Ratio
balance_sheet
Value: 48.29%
Peer Avg: 72.70%
#977 of 1077 Bottom 9.4% in 100M-500M tier
880
Loan-to-Member Ratio (LMR)
engagement
Value: $6,511
Peer Avg: $10,245
#880 of 1077 Bottom 18.4% in 100M-500M tier