BlastPoint's Credit Union Scorecard
GREAT FALLS REGIONAL
Charter #10221 · ME
GREAT FALLS REGIONAL has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
- - Indirect Auto Concentration (%): Bottom 4.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,728
-2.8% YoY-2.7% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$64.7M
+4.8% YoY+1.1% QoQ
|
+$34.5M |
$30.1M
+2.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Top 15.0% in tier |
| Loans |
$22.4M
+4.5% YoY+1.0% QoQ
|
+$6.6M |
$15.8M
-1.3% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$55.9M
+5.9% YoY+1.2% QoQ
|
+$30.2M |
$25.7M
+1.4% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 14.7% in tier |
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| ROA |
1.5%
+16.9% YoY-18.6% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.2%
+3.0% YoY-1.4% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
70.6%
-4.2% YoY+8.1% QoQ
|
-12.0% |
82.6%
-2.3% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
1.0%
+260.7% YoY+66.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
40.1%
-1.3% YoY-0.2% QoQ
|
-20.5% |
60.6%
-3.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$16,566
+8.5% YoY+3.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
8.4%
+5.8% YoY-8.6% QoQ
|
-16.0% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
27.2%
+40.8% YoY+3.0% QoQ
|
+13.4% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)