DOWNEAST

Charter #68563 | ME

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

DOWNEAST has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 16.4% in tier
  • + Strong member growth: 6.6% YoY
  • + Member Growth Rate: Top 5.9% in tier
  • + Fee Income Per Member: Top 6.9% in tier
  • + Loan-to-Share Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 6.1% in tier
  • - Liquidity Strain: Bottom 14.0% in tier
  • - Growth-at-Risk: Bottom 22.4% in tier
  • - Efficiency Drag: Bottom 23.1% in tier
  • - Credit Quality Pressure: Bottom 25.7% in tier
  • - ROA 0.12% below tier average
  • - Efficiency ratio 10.61% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 24,511
+6.6% YoY+1.3% QoQ
 +8.9K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Top 13.8% in tier
Assets $308.8M
+6.7% YoY+2.1% QoQ
 +$77.5M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 75th in tier
Loans $261.4M
+7.2% YoY+1.0% QoQ
 +$113.6M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Top 11.7% in tier
Deposits $276.6M
+6.6% YoY+2.0% QoQ
 +$76.3M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Top 22.9% in tier
ROA 0.7%
+192.6% YoY-12.6% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 44th in tier
NIM 3.4%
+15.9% YoY+1.6% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 40th in tier
Efficiency Ratio 87.9%
-7.5% YoY+1.2% QoQ
 +10.6% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 15.0% in tier
Delinquency Rate 0.5%
+7.6% YoY+22.4% QoQ
 -0.4 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 94.5%
+0.5% YoY-1.0% QoQ
 +21.8% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 8.0% in tier
AMR $21,951
+0.3% YoY+0.2% QoQ
 $-2K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 47th in tier
CD Concentration 31.3%
+1.5% YoY+0.9% QoQ
 +6.8% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 43.7%
-8.7% YoY-1.4% QoQ
 +29.7% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#301 of 603 • Top 16.4% 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: 0.67%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 43.67%
(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)

Indirect Auto Dependency

risk
#99 of 525 • Bottom 6.1% in tier

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

Why This Signature
Asset Growth (YoY): 6.71%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 43.67%
(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 worsening

Liquidity Strain

risk
#109 of 258 • Bottom 14.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.50%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.15%
(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

Growth-at-Risk

risk
#336 of 446 • Bottom 22.4% in tier

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

Why This Signature
Loan Growth (YoY): 7.15%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk
#409 of 521 • Bottom 23.1% in tier

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

Why This Signature
Efficiency Ratio: 87.89%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.44% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 6.60%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#636 of 736 • Bottom 25.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

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 (7 metrics)

65
Member Growth Rate
growth
Value: 6.60%
Peer Avg: 0.72%
#65 of 1077 Top 5.9% in 100M-500M tier
75
Fee Income Per Member
profitability
Value: $286.36
Peer Avg: $174.31
#75 of 1077 Top 6.9% in 100M-500M tier
86
Loan-to-Share Ratio
balance_sheet
Value: 94.50%
Peer Avg: 72.70%
#86 of 1077 Top 7.9% in 100M-500M tier
126
Total Loans
balance_sheet
Value: $261.42M
Peer Avg: $147.80M
#126 of 1077 Top 11.6% in 100M-500M tier
149
Total Members
engagement
Value: 24,511
Peer Avg: 15,628
#149 of 1077 Top 13.7% in 100M-500M tier
243
First Mortgage Concentration (%)
balance_sheet
Value: 15.90%
Peer Avg: 30.43%
#243 of 1077 Top 22.5% in 100M-500M tier
247
Total Deposits
balance_sheet
Value: $276.63M
Peer Avg: $200.29M
#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1006
Indirect Auto Concentration (%)
balance_sheet
Value: 43.67%
Peer Avg: 13.34%
#1006 of 1077 Bottom 6.7% in 100M-500M tier
916
Efficiency Ratio
profitability
Value: 87.89%
Peer Avg: 77.28%
#916 of 1077 Bottom 15.0% in 100M-500M tier
874
Net Worth Ratio
risk
Value: 9.37%
Peer Avg: 12.15%
#874 of 1077 Bottom 18.9% in 100M-500M tier
820
AMR Growth Rate
growth
Value: 0.27%
Peer Avg: 3.64%
#820 of 1077 Bottom 24.0% in 100M-500M tier
817
Share Certificate Concentration (%)
balance_sheet
Value: 31.25%
Peer Avg: 23.61%
#817 of 1077 Bottom 24.2% in 100M-500M tier