CENTRAL MAINE

Charter #6936 | ME

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

CENTRAL MAINE has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 1.0% in tier
  • + Emerging Performer: Top 2.3% in tier
  • + Organic Growth Engine: Top 3.2% in tier
  • + ROA 0.35% above tier average
  • + Strong member growth: 22.9% YoY
  • + Member Growth Rate: Top 1.9% in tier
  • + Net Charge-Off Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.9% in tier
  • - Liquidity Overhang: Bottom 2.9% in tier
  • - Cost Spiral: Bottom 10.3% in tier
  • - Margin Compression: Bottom 15.3% in tier
  • - Indirect Auto Dependency: Bottom 32.4% in tier
  • - AMR Growth Rate: Bottom 0.9% in tier
  • - Total Loans: Bottom 2.3% in tier
  • - Loan-to-Share Ratio: Bottom 2.7% in tier
  • - Total Members: Bottom 7.6% in tier
  • - Net Interest Margin (NIM): Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 6,500
+22.9% YoY+21.6% QoQ
 -9.1K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Bottom 7.5% in tier
Assets $136.9M
+0.7% YoY+0.6% QoQ
 $-94.4M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 24.2% in tier
Loans $40.4M
+8.1% YoY+4.6% QoQ
 $-107.4M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Bottom 2.2% in tier
Deposits $116.0M
-0.4% YoY+0.6% QoQ
 $-84.3M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 22.7% in tier
ROA 1.1%
-22.1% YoY-15.4% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 74th in tier
NIM 2.7%
+92.2% YoY-1.1% QoQ
 -0.9% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Bottom 9.3% in tier
Efficiency Ratio 65.7%
+14.4% YoY+7.1% QoQ
 -11.6% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Bottom 16.2% in tier
Delinquency Rate 0.3%
-12.9% YoY+117.1% QoQ
 -0.5 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Bottom 22.2% in tier
Loan To Share 34.9%
+8.5% YoY+3.9% QoQ
 -37.8% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Bottom 2.6% in tier
AMR $24,061
-17.3% YoY-16.4% QoQ
 $-302 $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 24.9%
-3.3% YoY+2.1% QoQ
 +0.5% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 17.5%
+147.4% YoY+19.4% QoQ
 +3.5% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#14 of 430 • Top 1.0% in tier

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

Why This Signature
Member Growth (YoY): 22.85%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth
#44 of 627 • Top 2.3% in tier

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

Why This Signature
Return on Assets: 1.14%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 22.85%
(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 Engine

growth
#59 of 603 • Top 3.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 22.85%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.14%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 17.45%
(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 | New qualifier

Concerns (5)

Shrinking Wallet Share

decline
#10 of 244 • Bottom 0.9% in tier

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

Why This Signature
AMR Growth (YoY): -17.26%
(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

Liquidity Overhang

risk
#46 of 552 • Bottom 2.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.20%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 34.86%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Cost Spiral

risk
#26 of 62 • Bottom 10.3% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 8.27% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $136.85M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | Rank worsening

Margin Compression

decline
#65 of 136 • Bottom 15.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.14%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.32% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $136.85M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#521 of 525 • Bottom 32.4% in tier

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

Why This Signature
Asset Growth (YoY): 0.70%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 17.45%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 22.85%
(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 | 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 (6 metrics)

22
Member Growth Rate
growth
Value: 22.85%
Peer Avg: 0.72%
#22 of 1077 Top 1.9% in 100M-500M tier
103
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.47%
#103 of 1077 Top 9.5% in 100M-500M tier
157
Net Worth Ratio
risk
Value: 15.20%
Peer Avg: 12.15%
#157 of 1077 Top 14.5% in 100M-500M tier
176
Efficiency Ratio
profitability
Value: 65.66%
Peer Avg: 77.28%
#176 of 1077 Top 16.2% in 100M-500M tier
240
Loan Growth Rate
growth
Value: 8.07%
Peer Avg: 3.45%
#240 of 1077 Top 22.2% in 100M-500M tier
240
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Avg: 0.86%
#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1068
AMR Growth Rate
growth
Value: -17.26%
Peer Avg: 3.64%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1053
Total Loans
balance_sheet
Value: $40.43M
Peer Avg: $147.80M
#1053 of 1077 Bottom 2.3% in 100M-500M tier
1049
Loan-to-Share Ratio
balance_sheet
Value: 34.86%
Peer Avg: 72.70%
#1049 of 1077 Bottom 2.7% in 100M-500M tier
996
Total Members
engagement
Value: 6,500
Peer Avg: 15,628
#996 of 1077 Bottom 7.6% in 100M-500M tier
977
Net Interest Margin (NIM)
profitability
Value: 2.69%
Peer Avg: 3.58%
#977 of 1077 Bottom 9.4% in 100M-500M tier
960
First Mortgage Concentration (%)
balance_sheet
Value: 52.88%
Peer Avg: 30.43%
#960 of 1077 Bottom 11.0% in 100M-500M tier
910
Loan-to-Member Ratio (LMR)
engagement
Value: $6,219
Peer Avg: $10,245
#910 of 1077 Bottom 15.6% in 100M-500M tier
907
Deposit Growth Rate
growth
Value: -0.41%
Peer Avg: 4.69%
#907 of 1077 Bottom 15.9% in 100M-500M tier
833
Total Deposits
balance_sheet
Value: $115.97M
Peer Avg: $200.29M
#833 of 1077 Bottom 22.7% in 100M-500M tier
825
Asset Growth Rate
growth
Value: 0.70%
Peer Avg: 4.70%
#825 of 1077 Bottom 23.5% in 100M-500M tier