SACO VALLEY

Charter #68324 | ME

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

SACO VALLEY has 9 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 13.3% in tier
  • + Relationship Depth Leader: Top 31.9% in tier
  • + Wallet Share Momentum: Top 33.8% in tier
  • + ROA 0.24% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 1.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.6% in tier
  • + Average Member Relationship (AMR): Top 9.0% in tier
  • + Loan-to-Share Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.8% in tier
  • - Growth-at-Risk: Bottom 12.6% in tier
  • - Liquidity Strain: Bottom 22.9% in tier
  • - First Mortgage Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 9,200
+0.0% YoY+0.3% QoQ
 -6.4K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 24.1% in tier
Assets $186.2M
+1.3% YoY-1.0% QoQ
 $-45.1M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 46th in tier
Loans $155.1M
+2.6% YoY+1.0% QoQ
 +$7.3M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $165.8M
+0.3% YoY-1.6% QoQ
 $-34.5M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 48th in tier
ROA 1.0%
+52.4% YoY+20.0% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 3.2%
+14.2% YoY+1.4% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 74.2%
-7.7% YoY-4.1% QoQ
 -3.1% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 39th in tier
Delinquency Rate 0.8%
+399.4% YoY-0.0% QoQ
 -0.1 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 59th in tier
Loan To Share 93.6%
+2.3% YoY+2.6% QoQ
 +20.9% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 9.7% in tier
AMR $34,884
+1.3% YoY-0.7% QoQ
 +$11K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 9.1% in tier
CD Concentration 36.0%
+0.5% YoY+1.8% QoQ
 +11.6% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 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
#251 of 627 • Top 13.3% in tier

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

Why This Signature
Return on Assets: 1.03%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.04%
(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 improving

Relationship Depth Leader

growth
#880 of 1006 • Top 31.9% in tier

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

Why This Signature
AMR Growth (YoY): 1.35%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(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 | Rank worsening

Wallet Share Momentum

growth
#931 of 1006 • Top 33.8% in tier

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

Why This Signature
AMR Growth (YoY): 1.35%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#96 of 736 • Bottom 3.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.63% 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
#190 of 446 • Bottom 12.6% in tier

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

Why This Signature
Loan Growth (YoY): 2.62%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.63% 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 improving

Liquidity Strain

risk
#178 of 258 • Bottom 22.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.57%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.62%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
18
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.47%
#18 of 1077 Top 1.6% in 100M-500M tier
72
Loan-to-Member Ratio (LMR)
engagement
Value: $16,863
Peer Avg: $10,245
#72 of 1077 Top 6.6% in 100M-500M tier
98
Average Member Relationship (AMR)
engagement
Value: $34,884
Peer Avg: $24,363
#98 of 1077 Top 9.0% in 100M-500M tier
105
Loan-to-Share Ratio
balance_sheet
Value: 93.57%
Peer Avg: 72.70%
#105 of 1077 Top 9.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1032
First Mortgage Concentration (%)
balance_sheet
Value: 63.68%
Peer Avg: 30.43%
#1032 of 1077 Bottom 4.3% in 100M-500M tier
938
Share Certificate Concentration (%)
balance_sheet
Value: 36.03%
Peer Avg: 23.61%
#938 of 1077 Bottom 13.0% in 100M-500M tier
854
Deposit Growth Rate
growth
Value: 0.27%
Peer Avg: 4.69%
#854 of 1077 Bottom 20.8% in 100M-500M tier
817
Total Members
engagement
Value: 9,200
Peer Avg: 15,628
#817 of 1077 Bottom 24.2% in 100M-500M tier