COMMUNITY

Charter #63447 | ME

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

COMMUNITY has 8 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 2.5% in tier
  • + Organic Growth Leader: Top 3.7% in tier
  • + Organic Growth Engine: Top 5.2% in tier
  • + ROA 0.37% above tier average
  • + Net Interest Margin 1.75% above tier average
  • + Strong member growth: 6.6% YoY
  • + Member Growth Rate: Top 5.8% in tier
  • + Loan-to-Share Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.6% in tier
  • - Growth-at-Risk: Bottom 8.2% in tier
  • - Liquidity Strain: Bottom 17.4% in tier
  • - Shrinking Wallet Share: Bottom 18.8% in tier
  • - Indirect Auto Dependency: Bottom 29.8% in tier
  • - Delinquency rate 0.90% above tier average
  • - Average Member Relationship (AMR): Bottom 7.4% in tier
  • - Total Assets: Bottom 8.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.7% in tier
  • - Total Deposits: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 13,486
+6.6% YoY+2.0% QoQ
 -2.1K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 50th in tier
Assets $112.1M
+4.8% YoY+0.3% QoQ
 $-119.2M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 8.2% in tier
Loans $93.1M
+5.9% YoY+0.5% QoQ
 $-54.7M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 31st in tier
Deposits $98.9M
+4.3% YoY+0.1% QoQ
 $-101.4M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 9.7% in tier
ROA 1.2%
+13.1% YoY+16.6% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Top 24.2% in tier
NIM 5.3%
+9.2% YoY+3.3% QoQ
 +1.7% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Top 1.6% in tier
Efficiency Ratio 69.2%
-2.5% YoY-4.7% QoQ
 -8.1% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Bottom 24.0% in tier
Delinquency Rate 1.8%
+29.5% YoY+38.6% QoQ
 +0.9 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 9.7% in tier
Loan To Share 94.1%
+1.6% YoY+0.4% QoQ
 +21.4% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 8.9% in tier
AMR $14,238
-1.4% YoY-1.6% QoQ
 $-10K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 7.3% in tier
CD Concentration 26.9%
+0.4% YoY+4.1% QoQ
 +2.5% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 18.5%
+4.1% YoY+1.4% QoQ
 +4.6% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#47 of 627 • Top 2.5% in tier

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

Why This Signature
Return on Assets: 1.16%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 6.60%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth
#50 of 430 • Top 3.7% in tier

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

Why This Signature
Member Growth (YoY): 6.60%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#96 of 603 • Top 5.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.60%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.16%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 18.54%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (5)

Credit Quality Pressure

risk
#189 of 736 • Bottom 7.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.40% 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 | Rank improving

Growth-at-Risk

risk
#124 of 446 • Bottom 8.2% in tier

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

Why This Signature
Loan Growth (YoY): 5.94%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.40% 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 | Rank worsening

Liquidity Strain

risk
#136 of 258 • Bottom 17.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.08%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.94%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#188 of 244 • Bottom 18.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.42%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#479 of 525 • Bottom 29.8% in tier

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

Why This Signature
Asset Growth (YoY): 4.76%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.54%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.60%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 1077 peers in tier

Top Strengths (5 metrics)

17
Net Interest Margin (NIM)
profitability
Value: 5.33%
Peer Avg: 3.58%
#17 of 1077 Top 1.5% in 100M-500M tier
64
Member Growth Rate
growth
Value: 6.60%
Peer Avg: 0.72%
#64 of 1077 Top 5.8% in 100M-500M tier
96
Loan-to-Share Ratio
balance_sheet
Value: 94.08%
Peer Avg: 72.70%
#96 of 1077 Top 8.8% in 100M-500M tier
260
Efficiency Ratio
profitability
Value: 69.17%
Peer Avg: 77.28%
#260 of 1077 Top 24.0% in 100M-500M tier
261
Return on Assets (ROA)
profitability
Value: 1.16%
Peer Avg: 0.79%
#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (7 metrics)

998
Average Member Relationship (AMR)
engagement
Value: $14,238
Peer Avg: $24,363
#998 of 1077 Bottom 7.4% in 100M-500M tier
989
Total Assets
balance_sheet
Value: $112.09M
Peer Avg: $231.30M
#989 of 1077 Bottom 8.3% in 100M-500M tier
973
Total Delinquency Rate (60+ days)
risk
Value: 1.76%
Peer Avg: 0.86%
#973 of 1077 Bottom 9.7% in 100M-500M tier
972
Total Deposits
balance_sheet
Value: $98.93M
Peer Avg: $200.29M
#972 of 1077 Bottom 9.8% in 100M-500M tier
961
Net Charge-Off Rate
risk
Value: 0.94%
Peer Avg: 0.47%
#961 of 1077 Bottom 10.9% in 100M-500M tier
926
AMR Growth Rate
growth
Value: -1.42%
Peer Avg: 3.64%
#926 of 1077 Bottom 14.1% in 100M-500M tier
845
Loan-to-Member Ratio (LMR)
engagement
Value: $6,902
Peer Avg: $10,245
#845 of 1077 Bottom 21.6% in 100M-500M tier