UNIVERSITY

Charter #63133 | ME

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in ME

UNIVERSITY has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 24.8% in tier
  • + Organic Growth Engine: Top 28.2% in tier
  • + Loan-to-Share Ratio: Top 4.1% in tier
  • + Share Certificate Concentration (%): Top 4.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.1% in tier
  • - Efficiency Drag: Bottom 13.2% in tier
  • - Credit Quality Pressure: Bottom 16.6% in tier
  • - ROA 0.15% below tier average
  • - Efficiency ratio 8.40% above tier (higher cost structure)
  • - Total Deposits: Bottom 0.6% in tier
  • - First Mortgage Concentration (%): Bottom 4.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 31,600
+1.3% YoY+1.1% QoQ
 -8.2K 39,752
-2.7% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 21.9% in tier
Assets $517.6M
+3.9% YoY+1.2% QoQ
 $-104.8M $622.4M
+0.3% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 9.5% in tier
Loans $405.1M
+0.1% YoY+1.8% QoQ
 $-30.8M $435.9M
-0.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $397.6M
+3.2% YoY-0.4% QoQ
 $-140.5M $538.0M
+1.3% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 0.0% in tier
ROA 0.5%
+121.9% YoY+1.8% QoQ
 -0.2% 0.7%
+33.9% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 41st in tier
NIM 3.3%
+7.1% YoY+1.8% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 43rd in tier
Efficiency Ratio 86.5%
-6.7% YoY+0.0% QoQ
 +8.4% 78.1%
-3.4% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 17.2% in tier
Delinquency Rate 0.5%
+46.2% YoY+61.1% QoQ
 -0.3 0.8%
-4.9% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 101.9%
-3.0% YoY+2.2% QoQ
 +20.9% 81.0%
-1.8% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 4.7% in tier
AMR $25,402
+0.3% YoY-0.5% QoQ
 $-1K $26,482
+2.6% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 14.4%
-2.9% YoY+1.7% QoQ
 -10.0% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 Bottom 17.4% in tier
Indirect Auto % 0.7%
-36.3% YoY-13.6% QoQ
 -13.2% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 35th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#328 of 430 • Top 24.8% in tier

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

Why This Signature
Member Growth (YoY): 1.31%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#517 of 603 • Top 28.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.31%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.51%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.72%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk
#95 of 258 • Bottom 12.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.91%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.14%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk
#234 of 521 • Bottom 13.2% in tier

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

Why This Signature
Efficiency Ratio: 86.50%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.28% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.31%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#411 of 736 • Bottom 16.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 169 peers in tier

Top Strengths (4 metrics)

8
Loan-to-Share Ratio
balance_sheet
Value: 101.91%
Peer Avg: 81.02%
#8 of 169 Top 4.1% in 500M-750M tier
8
Share Certificate Concentration (%)
balance_sheet
Value: 14.41%
Peer Avg: 26.87%
#8 of 169 Top 4.1% in 500M-750M tier
19
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.51%
#19 of 169 Top 10.7% in 500M-750M tier
43
Indirect Auto Concentration (%)
balance_sheet
Value: 0.72%
Peer Avg: 16.19%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (5 metrics)

169
Total Deposits
balance_sheet
Value: $397.57M
Peer Avg: $538.02M
#169 of 169 Bottom 0.6% in 500M-750M tier
162
First Mortgage Concentration (%)
balance_sheet
Value: 59.81%
Peer Avg: 33.53%
#162 of 169 Bottom 4.7% in 500M-750M tier
153
Total Assets
balance_sheet
Value: $517.56M
Peer Avg: $622.38M
#153 of 169 Bottom 10.1% in 500M-750M tier
141
Efficiency Ratio
profitability
Value: 86.50%
Peer Avg: 78.10%
#141 of 169 Bottom 17.2% in 500M-750M tier
132
Total Members
engagement
Value: 31,600
Peer Avg: 39,752
#132 of 169 Bottom 22.5% in 500M-750M tier