I can't go that far. Not the Umass loss alone...
Maine was a 5-6 FCS team. Even if it was an away game in Hell and Satan himself was coaching a Maine defensive front of Death, Famine, War, and Pestilence and the AntiChrist was playing quarterback, there's no excuse for that loss.
Combined with losing the South Alabama game, though, it would make this season worse than the 2004 season. That season had losses to Maine, Vanderbilt, and UAB, but at least it included a win over a ranked Florida.
Coincidentally, the year Croom lost to Maine, UMass beat them.