CONNECTED

Charter #62976 | ME

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

CONNECTED has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 9.8% in tier
  • + Relationship Depth Leader: Top 11.1% in tier
  • + Emerging Performer: Top 23.4% in tier
  • + ROA 0.17% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 8.7% in tier
  • - Stagnation Risk: Bottom 9.2% in tier
  • - Membership Headwinds: Bottom 15.2% in tier
  • - Institutional Decline: Bottom 19.8% in tier
  • - Margin Compression: Bottom 31.0% in tier
  • - Member decline: -2.7% YoY
  • - Total Loans: Bottom 4.8% in tier
  • - Loan-to-Share Ratio: Bottom 5.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 7,747
-2.7% YoY-0.9% QoQ
 -7.9K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 14.2% in tier
Assets $130.0M
+9.0% YoY+1.4% QoQ
 $-101.3M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 20.2% in tier
Loans $47.6M
-5.8% YoY-2.2% QoQ
 $-100.2M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Bottom 4.7% in tier
Deposits $114.8M
+8.9% YoY+1.2% QoQ
 $-85.5M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 21.4% in tier
ROA 1.0%
-11.7% YoY+26.2% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 63rd in tier
NIM 3.3%
+1.3% YoY+3.4% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 74.5%
+4.6% YoY-4.6% QoQ
 -2.8% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 40th in tier
Delinquency Rate 0.5%
-20.0% YoY+4.6% QoQ
 -0.4 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 41.5%
-13.5% YoY-3.4% QoQ
 -31.2% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Bottom 4.9% in tier
AMR $20,966
+7.1% YoY+1.1% QoQ
 $-3K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 42nd in tier
CD Concentration 19.0%
+6.5% YoY+1.6% QoQ
 -5.4% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 19.7%
-9.2% YoY-4.1% QoQ
 +5.8% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#270 of 1006 • Top 9.8% in tier

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

Why This Signature
AMR Growth (YoY): 7.10%
(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
#307 of 1006 • Top 11.1% in tier

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

Why This Signature
AMR Growth (YoY): 7.10%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(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

Emerging Performer

growth
#439 of 627 • Top 23.4% in tier

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

Why This Signature
Return on Assets: 0.96%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#140 of 525 • Bottom 8.7% in tier

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

Why This Signature
Asset Growth (YoY): 8.98%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.72%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#153 of 550 • Bottom 9.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.96%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 19.02%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#251 of 550 • Bottom 15.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline
#157 of 256 • Bottom 19.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $130.01M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.80%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Margin Compression

decline
#131 of 136 • Bottom 31.0% in tier

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

Why This Signature
Return on Assets: 0.96%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.13% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $130.01M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 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 (3 metrics)

168
Deposit Growth Rate
growth
Value: 8.95%
Peer Avg: 4.69%
#168 of 1077 Top 15.5% in 100M-500M tier
169
Asset Growth Rate
growth
Value: 8.98%
Peer Avg: 4.70%
#169 of 1077 Top 15.6% in 100M-500M tier
213
AMR Growth Rate
growth
Value: 7.10%
Peer Avg: 3.64%
#213 of 1077 Top 19.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1026
Total Loans
balance_sheet
Value: $47.64M
Peer Avg: $147.80M
#1026 of 1077 Bottom 4.8% in 100M-500M tier
1024
Loan-to-Share Ratio
balance_sheet
Value: 41.51%
Peer Avg: 72.70%
#1024 of 1077 Bottom 5.0% in 100M-500M tier
966
Loan Growth Rate
growth
Value: -5.80%
Peer Avg: 3.45%
#966 of 1077 Bottom 10.4% in 100M-500M tier
924
Total Members
engagement
Value: 7,747
Peer Avg: 15,628
#924 of 1077 Bottom 14.3% in 100M-500M tier
919
Loan-to-Member Ratio (LMR)
engagement
Value: $6,150
Peer Avg: $10,245
#919 of 1077 Bottom 14.8% in 100M-500M tier
864
Member Growth Rate
growth
Value: -2.74%
Peer Avg: 0.72%
#864 of 1077 Bottom 19.9% in 100M-500M tier
859
Total Assets
balance_sheet
Value: $130.01M
Peer Avg: $231.30M
#859 of 1077 Bottom 20.3% in 100M-500M tier
847
Total Deposits
balance_sheet
Value: $114.78M
Peer Avg: $200.29M
#847 of 1077 Bottom 21.4% in 100M-500M tier