Maine Credit Unions

Member engagement showed mixed signals as growth decelerated to 0.92% in Q3 2025 from 1.13% in Q2 2025, though this remained substantially above the national decline of -0.61%. Year-over-year data was insufficient for comparison, but the quarterly slowdown suggests moderating membership expansion despite Maine credit unions' competitive positioning.

Profitability strengthened across both timeframes, with ROA increasing to 0.91% from 0.86% quarterly and matching the 5 basis point annual improvement. NIM remained stable quarterly at 3.59% but showed solid year-over-year growth from 3.38%, though trailing the national 3.72% benchmark by 14 basis points.

Growth patterns showed stability in assets at 6.28% but deceleration in lending and deposits. Loan growth decelerated to 4.46% from 4.89% quarterly, while deposit growth decelerated to 5.94% from 6.11%. Despite the slowdown, all growth rates substantially exceeded national benchmarks, indicating continued market share gains.

Risk metrics presented a mixed picture as delinquencies increased to 0.82% from 0.70% quarterly and 0.63% annually, though remaining slightly below the national 0.85% rate. Net worth strengthened to 11.62% from 11.48% quarterly and 11.46% yearly, providing a buffer despite trailing national capitalization levels.

Portfolio composition shifted notably toward indirect auto lending, rising to 15.76% from 14.77% annually and 15.47% quarterly, nearly doubling the national 7.90% concentration. Certificate deposits increased to 24.97% from 23.80% yearly, while first mortgage exposure declined slightly to 37.62%, all suggesting strategic repositioning.