ATLANTIC REGIONAL

Charter #4281 | ME

1B-3B (304 CUs) Mid-Market (380 CUs)
1 1B-3B in ME

ATLANTIC REGIONAL has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 28.5% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 8.6% in tier
  • + Share Certificate Concentration (%): Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.0% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 12.20% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 3.9% in tier
  • - Total Members: Bottom 5.3% in tier
  • - Total Loans: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 49,054
+0.0% YoY+0.1% QoQ
 -49.6K 98,678
-1.9% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 4.9% in tier
Assets $1.1B
+1.7% YoY+0.4% QoQ
 $-625.3M $1.7B
+0.5% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 11.5% in tier
Loans $744.3M
-0.9% YoY+0.5% QoQ
 $-488.8M $1.2B
+0.5% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Bottom 8.9% in tier
Deposits $954.7M
+1.3% YoY+0.1% QoQ
 $-499.6M $1.5B
+1.3% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 14.1% in tier
ROA 0.4%
+88.1% YoY+5.3% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Bottom 24.3% in tier
NIM 2.8%
+14.3% YoY+3.0% QoQ
 -0.5% 3.3%
+9.3% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Bottom 20.1% in tier
Efficiency Ratio 86.2%
-4.3% YoY-0.2% QoQ
 +12.2% 74.0%
-10.9% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 6.2% in tier
Delinquency Rate 0.5%
-35.0% YoY+2.7% QoQ
 -0.4 0.8%
+6.1% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 78.0%
-2.2% YoY+0.5% QoQ
 -7.2% 85.2%
-0.8% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 28th in tier
AMR $34,635
+0.3% YoY+0.1% QoQ
 +$5K $29,172
+2.8% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 16.4% in tier
CD Concentration 16.5%
-22.9% YoY-7.9% QoQ
 -12.5% 29.0%
+0.8% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 Bottom 8.2% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#152 of 184 • Top 28.5% in tier

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

Why This Signature
Return on Assets: 0.43%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.03%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (1)

Efficiency Drag

risk
#11 of 96 • Bottom 3.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.17%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.20% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 0.03%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
27
Fee Income Per Member
profitability
Value: $313.24
Peer Avg: $210.52
#27 of 304 Top 8.6% in 1B-3B tier
27
Share Certificate Concentration (%)
balance_sheet
Value: 16.47%
Peer Avg: 28.53%
#27 of 304 Top 8.6% in 1B-3B tier
38
Net Charge-Off Rate
risk
Value: 0.18%
Peer Avg: 0.60%
#38 of 304 Top 12.2% in 1B-3B tier
50
Average Member Relationship (AMR)
engagement
Value: $34,635
Peer Avg: $29,172
#50 of 304 Top 16.1% in 1B-3B tier
77
Loan-to-Member Ratio (LMR)
engagement
Value: $15,173
Peer Avg: $13,213
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (11 metrics)

293
Members Per Employee (MPE)
engagement
Value: 240.461
Peer Avg: 364.953
#293 of 304 Bottom 3.9% in 1B-3B tier
289
Total Members
engagement
Value: 49,054
Peer Avg: 98,678
#289 of 304 Bottom 5.3% in 1B-3B tier
286
Efficiency Ratio
profitability
Value: 86.17%
Peer Avg: 73.97%
#286 of 304 Bottom 6.2% in 1B-3B tier
277
Total Loans
balance_sheet
Value: $744.30M
Peer Avg: $1.23B
#277 of 304 Bottom 9.2% in 1B-3B tier
269
Total Assets
balance_sheet
Value: $1.09B
Peer Avg: $1.72B
#269 of 304 Bottom 11.8% in 1B-3B tier
261
Total Deposits
balance_sheet
Value: $954.71M
Peer Avg: $1.45B
#261 of 304 Bottom 14.5% in 1B-3B tier
258
First Mortgage Concentration (%)
balance_sheet
Value: 48.60%
Peer Avg: 34.01%
#258 of 304 Bottom 15.5% in 1B-3B tier
244
Loan Growth Rate
growth
Value: -0.89%
Peer Avg: 5.27%
#244 of 304 Bottom 20.1% in 1B-3B tier
243
Net Interest Margin (NIM)
profitability
Value: 2.78%
Peer Avg: 3.26%
#243 of 304 Bottom 20.4% in 1B-3B tier
238
Deposit Growth Rate
growth
Value: 1.30%
Peer Avg: 5.58%
#238 of 304 Bottom 22.0% in 1B-3B tier