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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 3,583rd largest credit union in the nation. It was established in 1944 and as of March of 2014, it had grown to 3 employees and 1,914 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

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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. Lewiston Municipal Credit Union 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 Lewiston Municipal Credit Union had $89,000 in non-current loans and owned real-estate with $2.1 million in equity and loan loss allowances on hand to cover it. This gives Lewiston Municipal Credit Union a Texas Ratio of 4.25% 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 decreased slightly from 5.15% as of March 31, 2013 to 4.25% as of March 31, 2014, resulting in a positive change of 17.57%.This indicates that the balance sheet and financial strength for Lewiston Municipal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Lewiston Municipal Credit Union has increased its total deposits by $215,000, resulting in 1.25% 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 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. Lewiston Municipal Credit Union has $19.52 million in assets with $2.1 million in equity, resulting in a capitalization level of 10.74%, which is above average.

Institution Statistics

NCUA #5144
Year Chartered1944
Primary Regulator
Assets and Liabilities
Assets$19.52 million
Loans$10.09 million
Deposits$17.43 million
Equity Capital$2.05 million
Loan Loss Allowance$49,000
Unbacked Noncurrent Loans$89,000
Real Estate Owned$0
Historic Data - March 2013
Assets$19.29 million
Equity Capital$1.98 million
Loan Loss Allowance$39,000
Unbacked Noncurrent Loans$89,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.55%
Return on Equity5.28%
Interest Income$133,000
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Lewiston Municipal Credit Union Money Market Rates

0.35%$50k-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-24 Month IRA
0.55%$1k-18 Month IRA
0.50%$1k-12 Month IRA
0.30%$1k-6 Month IRA

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