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Overview / Commentary
877-353-4144
325 Lisbon St
Lisbon, ME 04250-6865

Lisbon Community Credit Union is headquartered in Lisbon and is the 29th largest credit union in the state of Maine. It is also the 1,700th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 25 employees and 8,382 members. Lisbon Community Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in any of the following towns and cities in the State of Maine : Lewiston, Auburn, Durham, Lisbon or Sabattus in Androscoggin County; Bowdoin and Topsham in Sagadahoc County; or Pownal in Cumberland County. - See Details

Reviews (2)

Wonderful people to work with

The Lisbon Community Credit Union is staffed by knowledgeable and pleasant people. When I had a misunderstanding that caused an overdraft, they removed the fee with no questions asked. They know me by face and are on a first-name basis, which is pretty impressive considering the number of customers they have and how infrequently I go there in person.

Their rates and fees are very reasonable, their facilities well-maintained, their people trustworthy and their services excellent. What more could you want?

An excellent place to bank

Lisbon Community Credit Union is an outstanding place to bank. I have had an account with them for over 20 years and they have the best customer service of any financial institution I've ever used. They know me by face and first name, in spite of the fact that I rarely need to visit a branch in person. They have helped me out many times, excusing the occasional overdraft fee and making sure I knew what to do when unexplained charges appeared on my account. Can't say enough about these good folks!



Health

Data for Q1 2014

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Lisbon Community Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A+

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 Lisbon Community Credit Union had $266,000 in non-current loans and owned real-estate with $9.98 million in equity and loan loss allowances on hand to cover it. This gives Lisbon Community Credit Union a Texas Ratio of 2.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Lisbon Community Credit Union decreased dramatically from 4.08% as of March 31, 2013 to 2.67% as of March 31, 2014, resulting in a positive change of 34.62%.This indicates that the balance sheet and financial strength for Lisbon Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Lisbon Community Credit Union has increased its total deposits by $4.12 million, resulting in 5.85% 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 Lisbon Community Credit Union has shown is excellent.

Capitalization

GRADE:
A

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. Lisbon Community Credit Union has $84.4 million in assets with $9.98 million in equity, resulting in a capitalization level of 11.82%, which is excellent.

Institution Statistics

Overall
NCUA #13190
Year Chartered1959
Employees25
Primary Regulator
Assets and Liabilities
Assets$84.40 million
Loans$54.88 million
Deposits$74.58 million
Equity Capital$9.61 million
Loan Loss Allowance$368,000
Unbacked Noncurrent Loans$157,000
Real Estate Owned$109,000
Historic Data - March 2013
Assets$80.14 million
Equity Capital$9.42 million
Loan Loss Allowance$340,000
Unbacked Noncurrent Loans$157,000
Real Estate Owned$25,000
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets0.23%
Return on Equity2%
Interest Income$730,000
Rates

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

Lisbon Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Health Savings Account
0.35%$100k-IRA Share Account
0.35%$100k-Roth IRA Share Account
0.35%$100k-Coverdell Education Savings Account
0.10%$25-Primary Share Savings Account
0.10%--All-Purpose Club Account
0.10%$25-FOCUS Account
0.10%--Monty Moose Account
0.10%--Holiday Club Account
0.10%--Vacation Club Account

Lisbon Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Money Market Account

Lisbon Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Ultimate Checking Account
0.05%--Basic "On The Move" free4ME Checking Account

Lisbon Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.51%$1k-5 Year Share Certificate
1.00%$1k-3 Year Share Certificate
0.65%$1k-2 Year Share Certificate
0.55%$1k-18 Month Share Certificate
0.45%$1k-12 Month Share Certificate
0.30%$1k-6 Month Share Certificate

Lisbon Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.51%$1k-5 Year IRA Certificate
1.00%$1k-3 Year IRA Certificate
0.65%$1k-2 Year IRA Certificate
0.55%$1k-18 Month IRA Certificate
0.45%$1k-12 Month IRA Certificate
0.30%$1k-6 Month IRA Certificate
Locations


Lisbon Community Credit Union Locations
Branch Office325 Lisbon StLisbon, ME 04250-6865
Branch Office802 Sabattus StLewiston, ME 04240