BlastPoint's Credit Union Scorecard

THE COUNTY

Charter #10794 · ME

Community 500M-750M

167 CUs in 500M-750M nationally 4 in ME

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THE COUNTY faces 7 concerns requiring attention

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 24.0% in tier
- Efficiency Drag: Bottom 27.0% in tier
- Indirect Auto Dependency: Bottom 30.0% in tier
- Credit Risk Growth: Bottom 56.8% in tier
- ROA 0.22% below tier average
- Efficiency ratio 6.74% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	32,258 +4.0% YoY+1.0% QoQ	-5.8K	38,079 -4.8% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	30%
Assets	$520.3M +6.6% YoY+3.7% QoQ	$-99.3M	$619.7M -0.2% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Bottom 12.0% in tier
Loans	$366.4M +2.1% YoY-1.0% QoQ	$-52.9M	$419.3M -1.4% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	27%
Deposits	$460.9M +6.6% YoY+4.0% QoQ	$-78.6M	$539.5M -0.1% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +29.7% YoY-25.0% QoQ	-0.2%	0.7% +36.0% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	36%
NIM	3.3% +0.2% YoY-3.4% QoQ	-0.1%	3.5% +4.5% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	85.1% -4.1% YoY+3.2% QoQ	+6.7%	78.4% -3.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	0.5% +77.6% YoY-18.7% QoQ	-0.2	0.7% -0.9% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	38%
Loan To Share	79.5% -4.2% YoY-4.9% QoQ	+1.8%	77.7% -1.2% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	47%
AMR	$25,648 +0.5% YoY+0.7% QoQ	$-1K	$26,927 +3.1% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	50%
CD Concentration	31.4% +3.6% YoY+1.8% QoQ	+7.1%	24.3%	25.4%	19.8%	76%
Indirect Auto %	41.4% -0.7% YoY-0.9% QoQ	+27.6%	13.8%	16.4%	7.7%	Bottom 7.5% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#105 of 504 • Bottom 30.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.58%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 41.36%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.05%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY

Credit Quality Pressure

risk

#320 of 727 • Bottom 24.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#343 of 596 • Bottom 27.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.13%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 4.05%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Credit Risk Growth

risk

#346 of 476 • Bottom 56.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (2 metrics)

Member Growth Rate

growth

Value: 4.05%

Peer Median: 1.03%

#20 of 167 Top 11.4% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Median: 0.39%

#37 of 167 Top 21.6% in 500M-750M tier

Top Weaknesses (6 metrics)

154

Indirect Auto Concentration (%)

balance_sheet

Value: 41.36%

Peer Median: 10.91%

#154 of 167 Bottom 8.4% in 500M-750M tier

147

Total Assets

balance_sheet

Value: $520.35M

Peer Median: $619.16M

#147 of 167 Bottom 12.6% in 500M-750M tier

141

Fee Income Per Member

profitability

Value: $120.42

Peer Median: $178.80

#141 of 167 Bottom 16.2% in 500M-750M tier

141

Total Deposits

balance_sheet

Value: $460.91M

Peer Median: $543.36M

#141 of 167 Bottom 16.2% in 500M-750M tier

132

AMR Growth Rate

growth

Value: 0.47%

Peer Median: 4.03%

#132 of 167 Bottom 21.6% in 500M-750M tier

127

Efficiency Ratio

profitability

Value: 85.13%

Peer Median: 78.61%

#127 of 167 Bottom 24.6% in 500M-750M tier