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Overview / Commentary
144 Pine St
Lewiston, ME 04240

Community CU (ME) is headquartered in Lewiston and is the 45th largest credit union in the state of Maine. It is also the 2,401st largest credit union in the nation. It was established in 1945 and as of March of 2014, it had grown to 22 employees and 8,420 members. Community CU (ME) has a B health rating.

Field of Membership Restrictions

Must live, work or attend school in Androscoggin County. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Community CU (ME) has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community CU (ME) had $618,000 in non-current loans and owned real-estate with $5.2 million in equity and loan loss allowances on hand to cover it. This gives Community CU (ME) a Texas Ratio of 11.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community CU (ME) experienced no significant changes from 8.54% as of March 31, 2013 to 11.88% as of March 31, 2014, resulting in a negative change of 39.08%. This indicates that the balance sheet and financial strength for Community CU (ME) has had no significant changes in recent periods.

Deposit Growth


In the past year, Community CU (ME) has increased its total deposits by $902,000, resulting in 2.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community CU (ME) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community CU (ME) has $46.01 million in assets with $5.2 million in equity, resulting in a capitalization level of 11.31%, which is excellent.

Institution Statistics

NCUA #63447
Year Chartered1945
Primary Regulator
Assets and Liabilities
Assets$46.01 million
Loans$31.42 million
Deposits$40.65 million
Equity Capital$5.07 million
Loan Loss Allowance$137,000
Unbacked Noncurrent Loans$618,000
Real Estate Owned$0
Historic Data - March 2013
Assets$44.90 million
Equity Capital$4.77 million
Loan Loss Allowance$136,000
Unbacked Noncurrent Loans$618,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.61%
Return on Equity5.53%
Interest Income$465,000
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Community CU (ME) Savings Account Rates

0.25%$25-IRA Club Account
0.25%$25-Roth IRA Club Account
0.25%$25-Education IRA Club Account
0.20%$25k-Special Investment Account
0.20%$10k-Health Savings Account
0.10%$25-Share Account
0.10%--Vacation Club Account
0.10%--Christmas Club Account
0.10%--Flex Club Account

Community CU (ME) Money Market Rates

0.30%$75k-Money Market Account

Community CU (ME) CD Rates

1.46%$1k-5 Year Share Certificate
1.16%$1k-4 Year Share Certificate
0.95%$1k-3 Year Share Certificate
0.65%$1k-2 Year Share Certificate
0.60%$1k-15 Month Share Certificate
0.55%$1k-1 Year Share Certificate
0.45%$1k-9 Month Share Certificate
0.35%$1k-6 Month Share Certificate

Community CU (ME) IRA Rates

1.46%$1k-5 Year IRA Certificate
1.46%$500-5 Year Education IRA Certificate
1.16%$1k-4 Year IRA Certificate
1.16%$500-4 Year Education IRA Certificate
0.95%$1k-3 Year IRA Certificate
0.95%$500-3 Year Education IRA Certificate
0.65%$1k-2 Year IRA Certificate
0.65%$500-2 Year Education IRA Certificate
0.60%$1k-15 Month IRA Certificate
0.60%$500-15 Month Education IRA Certificate
0.55%$1k-1 Year IRA Certificate
0.55%$500-1 Year Education IRA Certificate
0.45%$1k-9 Month IRA Certificate
0.45%$500-9 Month Education IRA Certificate

Community CU (ME) Locations
Branch Office40 Stanley StAuburn, ME 04210-5247
Branch Office144 Pine StLewiston, ME 04240