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Overview / Commentary
877-353-4144
P.O. Box 878
Lisbon, ME 04250

Lisbon Community Credit Union is headquartered in Lisbon and is the 29th largest credit union in the state of Maine. It is also the 1,676th largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 26 employees and 8,279 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

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Health

Data for Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Lisbon Community Credit Union had $697,000 in non-current loans and owned real-estate with $9.91 million in equity and loan loss allowances on hand to cover it. This gives Lisbon Community Credit Union a Texas Ratio of 7.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Lisbon Community Credit Union experienced no significant changes from 5.28% as of December 31, 2012 to 7.03% as of December 31, 2013, resulting in a negative change of 33.10%. This indicates that the balance sheet and financial strength for Lisbon Community Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Lisbon Community Credit Union has increased its total deposits by $6 million, resulting in 8.86% 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 $83.52 million in assets with $9.91 million in equity, resulting in a capitalization level of 11.87%, which is excellent.

Institution Statistics

Overall
NCUA #13190
Year Chartered1959
Employees26
Primary Regulator
Assets and Liabilities
Assets$83.52 million
Loans$55.11 million
Deposits$73.69 million
Equity Capital$9.56 million
Loan Loss Allowance$348,000
Unbacked Noncurrent Loans$588,000
Real Estate Owned$109,000
Historic Data - December 2012
Assets$77.31 million
Equity Capital$9.33 million
Loan Loss Allowance$355,000
Unbacked Noncurrent Loans$588,000
Real Estate Owned$25,000
Profit Margin - Quarterly
Net Interest Margin4.59%
Return on Assets0.27%
Return on Equity2.36%
Interest Income$2.94 million
Rates

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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 (Traditional,Roth,CESA)
1.00%$1k-3 Year IRA Certificate (Traditional,Roth,CESA)
0.65%$1k-2 Year IRA Certificate (Traditional,Roth,CESA)
0.55%$1k-18 Month IRA Certificate (Traditional,Roth,CESA)
0.45%$1k-12 Month IRA Certificate (Traditional,Roth,CESA)
0.30%$1k-6 Month IRA Certificate (Traditional,Roth,CESA)
Locations


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