SABATTUS REGIONAL
Charter #64062 | ME
<100M
(2596 CUs)
Micro
($0-$500M)
9 <100M in ME
SABATTUS REGIONAL has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Total Deposits: Top 5.0% in tier
- + Total Assets: Top 6.3% in tier
- + Fee Income Per Member: Top 7.0% in tier
- + Loan Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,658
+1.9% YoY+0.2% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
Top 16.3% in tier |
| Assets |
$83.0M
+5.2% YoY-0.5% QoQ
|
+$53.1M |
$29.9M
+1.1% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 6.4% in tier |
| Loans |
$34.4M
+12.2% YoY+1.4% QoQ
|
+$18.7M |
$15.8M
-2.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Top 14.4% in tier |
| Deposits |
$74.3M
+4.4% YoY-0.9% QoQ
|
+$48.8M |
$25.5M
+0.4% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 5.0% in tier |
| ROA |
1.0%
+35.8% YoY+9.1% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
62nd in tier |
| NIM |
3.2%
+8.5% YoY+2.4% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 23.9% in tier |
| Efficiency Ratio |
75.7%
-8.1% YoY-2.9% QoQ
|
-5.7% |
81.4%
-2.4% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
44th in tier |
| Delinquency Rate |
0.6%
+202.5% YoY+84.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
48th in tier |
| Loan To Share |
46.3%
+7.5% YoY+2.3% QoQ
|
-14.9% |
61.2%
-3.0% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
28th in tier |
| AMR |
$23,339
+4.8% YoY-0.4% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
Top 11.1% in tier |
| CD Concentration |
14.7%
+23.4% YoY-1.9% QoQ
|
-9.7% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
13.6%
+39.7% QoQ
|
-0.3% |
14.0%
-5.8% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
130
Total Deposits
balance_sheet
Value:
$74.29M
Peer Avg: $25.45M
#130 of 2596
Top 5.0% in <100M tier
165
Total Assets
balance_sheet
Value:
$82.95M
Peer Avg: $29.86M
#165 of 2596
Top 6.3% in <100M tier
182
Fee Income Per Member
profitability
Value:
$196.30
Peer Avg: $182.96
#182 of 2596
Top 7.0% in <100M tier
208
Loan Growth Rate
growth
Value:
12.24%
Peer Avg: 59.01%
#208 of 2596
Top 8.0% in <100M tier
289
Average Member Relationship (AMR)
engagement
Value:
$23,339
Peer Avg: $14,627
#289 of 2596
Top 11.1% in <100M tier
373
Total Loans
balance_sheet
Value:
$34.42M
Peer Avg: $15.77M
#373 of 2596
Top 14.3% in <100M tier
423
Total Members
engagement
Value:
4,658
Peer Avg: 2,626
#423 of 2596
Top 16.3% in <100M tier
459
Member Growth Rate
growth
Value:
1.93%
Peer Avg: 14.92%
#459 of 2596
Top 17.6% in <100M tier
589
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,390
Peer Avg: $5,488
#589 of 2596
Top 22.7% in <100M tier
642
Asset Growth Rate
growth
Value:
5.16%
Peer Avg: 1.82%
#642 of 2596
Top 24.7% in <100M tier
Top Weaknesses (4 metrics)
2394
Indirect Auto Concentration (%)
balance_sheet
Value:
13.64%
Peer Avg: 2.84%
#2394 of 2596
Bottom 7.8% in <100M tier
2299
First Mortgage Concentration (%)
balance_sheet
Value:
42.52%
Peer Avg: 14.49%
#2299 of 2596
Bottom 11.5% in <100M tier
2181
Net Worth Ratio
risk
Value:
9.89%
Peer Avg: 16.43%
#2181 of 2596
Bottom 16.0% in <100M tier
1976
Net Interest Margin (NIM)
profitability
Value:
3.20%
Peer Avg: 3.93%
#1976 of 2596
Bottom 23.9% in <100M tier