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Overview / Commentary
171 W Broadway, P.O. Box220
Lincoln, ME 04457

Lincoln Maine Credit Union is headquartered in LINCOLN and is the 41st largest credit union in the state of Maine. It is also the 2,323rd largest credit union in the nation. It was established in 1966 and as of December of 2013, it had grown to 11 employees and 5,019 members. Lincoln Maine Credit Union's savings rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

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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. Lincoln Maine 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 Lincoln Maine Credit Union had $244,000 in non-current loans and owned real-estate with $5.3 million in equity and loan loss allowances on hand to cover it. This gives Lincoln Maine Credit Union a Texas Ratio of 4.61% 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 Lincoln Maine Credit Union decreased dramatically from 6.77% as of December 31, 2012 to 4.61% as of December 31, 2013, resulting in a positive change of 31.98%.This indicates that the balance sheet and financial strength for Lincoln Maine Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Lincoln Maine Credit Union has increased its total deposits by $1.95 million, resulting in 4.85% 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 Lincoln Maine 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. Lincoln Maine Credit Union has $47.57 million in assets with $5.3 million in equity, resulting in a capitalization level of 11.14%, which is excellent.

Institution Statistics

NCUA #17362
Year Chartered1966
Primary Regulator
Assets and Liabilities
Assets$47.57 million
Loans$32.29 million
Deposits$42.25 million
Equity Capital$5.23 million
Loan Loss Allowance$67,000
Unbacked Noncurrent Loans$211,000
Real Estate Owned$33,000
Historic Data - December 2012
Assets$45.11 million
Equity Capital$4.67 million
Loan Loss Allowance$126,000
Unbacked Noncurrent Loans$211,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.27%
Return on Assets1.12%
Return on Equity10.19%
Interest Income$1.74 million

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Lincoln Maine Credit Union Savings Account Rates

2.00%$250k-Traditional IRA Account
2.00%$250k-Roth IRA Account
1.50%-$3kFuel Club Saving Account
1.50%$10k-Health Saving Account
1.50%$10k-Coverdell Education Saving Account
0.25%$30k-Share Savings Account
0.15%$5k-Club Saving Account

Lincoln Maine Credit Union Money Market Rates

0.65%$2,500-Money Market Account

Lincoln Maine Credit Union Checking Account Rates

0.10%$500-Share Draft Account

Lincoln Maine Credit Union CD Rates

1.75%$500-48 Month CD
1.75%$500-60 Month CD
1.50%$500-36 Month CD
1.15%$500-30 Month CD
1.00%$500-24 Month CD
0.65%$500-18 Month CD
0.50%$500-12 Month CD
0.50%$100-12 Month LOONEY TOON CD
0.40%$500-9 Month CD
0.35%$500-6 Month CD
0.25%$500-3 Month CD

Lincoln Maine Credit Union IRA Rates

1.75%$500-48 Month IRA (Traditional,Roth,CESA)
1.75%$500-60 Month IRA (Traditional,Roth,CESA)
1.50%$500-36 Month IRA (Traditional,Roth,CESA)
1.15%$500-30 Month IRA (Traditional,Roth,CESA)
1.00%$500-24 Month IRA (Traditional,Roth,CESA)
0.65%$500-18 Month IRA (Traditional,Roth,CESA)
0.50%$500-12 Month IRA (Traditional,Roth,CESA)
0.40%$500-9 Month IRA (Traditional,Roth,CESA)
0.35%$500-6 Month IRA (Traditional,Roth,CESA)
0.25%$500-3 Month IRA (Traditional,Roth,CESA)

Lincoln Maine Credit Union Locations
Branch Office2689 Lee RDLee, ME 04455-4405
Branch Office2 Ledgeview DrWestbrook, ME 04092-3939
Branch Office171 W BROADWAYLINCOLN, ME 04457