MAINE STATE

Charter #63377 | ME

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in ME

MAINE STATE has 2 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 5.9% in tier
  • + Relationship Depth Leader: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 5.2% in tier
  • - Indirect Auto Dependency: Bottom 5.7% in tier
  • - Credit Quality Pressure: Bottom 12.0% in tier
  • - ROA 0.32% below tier average
  • - Efficiency ratio 2.72% above tier (higher cost structure)
  • - Delinquency rate 0.45% above tier average
  • - Total Assets: Bottom 2.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 37,266
+0.3% YoY+0.8% QoQ
 -14.8K 52,114
-2.1% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 19.6% in tier
Assets $753.3M
+11.1% YoY+0.1% QoQ
 $-105.7M $859.0M
+0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 1.8% in tier
Loans $552.2M
+10.6% YoY+5.3% QoQ
 $-51.2M $603.4M
+1.0% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 27th in tier
Deposits $666.0M
+8.0% YoY-0.3% QoQ
 $-68.1M $734.2M
+0.9% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 11.6% in tier
ROA 0.4%
+193.0% YoY+8.0% QoQ
 -0.3% 0.7%
+27.6% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 27th in tier
NIM 3.1%
+7.7% YoY+0.9% QoQ
 -0.3% 3.4%
+9.6% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 31st in tier
Efficiency Ratio 77.2%
-8.6% YoY-0.1% QoQ
 +2.7% 74.5%
-3.2% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 53rd in tier
Delinquency Rate 1.3%
+25.4% YoY+0.2% QoQ
 +0.4 0.8%
+5.0% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 19.6% in tier
Loan To Share 82.9%
+2.4% YoY+5.6% QoQ
 +0.2% 82.7%
+0.1% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 38th in tier
AMR $32,690
+8.8% YoY+1.4% QoQ
 +$4K $28,651
+2.5% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 74th in tier
CD Concentration 37.8%
+8.6% YoY+4.5% QoQ
 +13.4% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 Top 10.5% in tier
Indirect Auto % 25.3%
-21.7% YoY-0.3% QoQ
 +11.3% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 Top 22.3% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#164 of 1006 • Top 5.9% in tier

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

Why This Signature
AMR Growth (YoY): 8.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#173 of 1006 • Top 6.2% in tier

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

Why This Signature
AMR Growth (YoY): 8.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Growth-at-Risk

risk
#79 of 446 • Bottom 5.2% in tier

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

Why This Signature
Loan Growth (YoY): 10.58%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.26% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#93 of 525 • Bottom 5.7% in tier

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

Why This Signature
Asset Growth (YoY): 11.06%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 25.26%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.31%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk
#299 of 736 • Bottom 12.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.26% 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 112 peers in tier

Top Strengths (6 metrics)

14
Asset Growth Rate
growth
Value: 11.06%
Peer Avg: 4.25%
#14 of 112 Top 11.6% in 750M-1B tier
17
AMR Growth Rate
growth
Value: 8.82%
Peer Avg: 4.90%
#17 of 112 Top 14.3% in 750M-1B tier
23
Deposit Growth Rate
growth
Value: 8.01%
Peer Avg: 5.03%
#23 of 112 Top 19.6% in 750M-1B tier
25
Loan-to-Member Ratio (LMR)
engagement
Value: $14,818
Peer Avg: $12,810
#25 of 112 Top 21.4% in 750M-1B tier
26
Loan Growth Rate
growth
Value: 10.58%
Peer Avg: 4.84%
#26 of 112 Top 22.3% in 750M-1B tier
29
Average Member Relationship (AMR)
engagement
Value: $32,690
Peer Avg: $28,651
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (6 metrics)

110
Total Assets
balance_sheet
Value: $753.34M
Peer Avg: $859.01M
#110 of 112 Bottom 2.7% in 750M-1B tier
99
Total Deposits
balance_sheet
Value: $666.04M
Peer Avg: $734.17M
#99 of 112 Bottom 12.5% in 750M-1B tier
98
Share Certificate Concentration (%)
balance_sheet
Value: 37.76%
Peer Avg: 28.34%
#98 of 112 Bottom 13.4% in 750M-1B tier
92
Members Per Employee (MPE)
engagement
Value: 266.186
Peer Avg: 361.634
#92 of 112 Bottom 18.8% in 750M-1B tier
91
Total Delinquency Rate (60+ days)
risk
Value: 1.26%
Peer Avg: 0.82%
#91 of 112 Bottom 19.6% in 750M-1B tier
90
Total Members
engagement
Value: 37,266
Peer Avg: 52,114
#90 of 112 Bottom 20.5% in 750M-1B tier