Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
291 Pine St
Lewiston, ME 04240

Lewiston Municipal Credit Union is headquartered in Lewiston and is the 54th largest credit union in the state of Maine. It is also the 3,575th largest credit union in the nation. It was established in 1944 and as of December of 2013, it had grown to 4 employees and 1,920 members. Lewiston Municipal Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of the City of Lewiston, the Lewistion School Department or other select employee groups. - See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

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. Lewiston Municipal Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Lewiston Municipal Credit Union had $116,000 in non-current loans and owned real-estate with $2.07 million in equity and loan loss allowances on hand to cover it. This gives Lewiston Municipal Credit Union a Texas Ratio of 5.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Lewiston Municipal Credit Union experienced no significant changes from 4.10% as of December 31, 2012 to 5.61% as of December 31, 2013, resulting in a negative change of 36.68%. This indicates that the balance sheet and financial strength for Lewiston Municipal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Lewiston Municipal Credit Union has increased its total deposits by $533,000, resulting in 3.21% 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 Lewiston Municipal Credit Union has shown is excellent.



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. Lewiston Municipal Credit Union has $19.21 million in assets with $2.07 million in equity, resulting in a capitalization level of 10.77%, which is above average.

Institution Statistics

NCUA #5144
Year Chartered1944
Primary Regulator
Assets and Liabilities
Assets$19.21 million
Loans$9.90 million
Deposits$17.15 million
Equity Capital$2.02 million
Loan Loss Allowance$50,000
Unbacked Noncurrent Loans$116,000
Real Estate Owned$0
Historic Data - December 2012
Assets$18.61 million
Equity Capital$1.96 million
Loan Loss Allowance$43,000
Unbacked Noncurrent Loans$116,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.08%
Return on Assets0.33%
Return on Equity3.12%
Interest Income$512,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Lewiston Municipal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Lewiston Municipal Credit Union Money Market Rates

0.35%$20k-Money Market

Lewiston Municipal Credit Union CD Rates

1.46%$1k-60 Month CD
1.16%$1k-48 Month CD
0.90%$1k-36 Month CD
0.60%$1k-24 Month CD
0.55%$1k-18 Month CD
0.50%$1k-12 Month CD
0.30%$1k-6 Month CD

Lewiston Municipal Credit Union IRA Rates

1.46%$1k-60 Month IRA
1.16%$1k-48 Month IRA
0.90%$1k-36 Month IRA
0.60%$1k-12 Month IRA
0.60%$1k-24 Month IRA
0.55%$1k-18 Month IRA
0.30%$1k-6 Month IRA

Lewiston Municipal Credit Union Locations
Branch Office291 Pine StLewiston, ME 04240