BlastPoint's Credit Union Scorecard
THE COUNTY
Charter #10794 · ME
THE COUNTY has 2 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does ME stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.5% YoY
- + Member Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 17.0% in tier
- - Efficiency Drag: Bottom 28.5% in tier
- - Credit Risk Growth: Bottom 30.1% in tier
- - Credit Quality Pressure: Bottom 34.8% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 6.66% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 6.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Maine.
- Shares and deposits +8.7% year over year ($469M in shares and deposits).
- Membership: 33,128 members, +5.5% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 0.51%.
- Efficiency ratio 83.22% vs a 76.56% peer average.
- Loan-to-share ratio 83.76% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,128
+5.5% YoY+2.7% QoQ
|
-4.8K |
37,897
-5.0% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$529.8M
+8.4% YoY+1.8% QoQ
|
$-92.6M |
$622.4M
+0.6% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$393.1M
+7.0% YoY+7.3% QoQ
|
$-35.4M |
$428.5M
-0.7% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$469.3M
+8.7% YoY+1.8% QoQ
|
$-70.4M |
$539.8M
+0.9% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.5%
+1.2% YoY+8.7% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.4%
+0.3% YoY+1.7% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
83.2%
-2.5% YoY-2.2% QoQ
|
+6.7% |
76.6%
-3.6% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.6%
+27.5% YoY+19.3% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
83.8%
-1.6% YoY+5.4% QoQ
|
+4.4% |
79.3%
-1.4% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$26,034
+2.3% YoY+1.5% QoQ
|
$-1K |
$27,294
+4.1% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
30.8%
+4.6% YoY-1.8% QoQ
|
+6.3% | 24.6% | 25.5% | 20.0% | 73% |
| Indirect Auto % |
43.1%
+3.2% YoY+4.3% QoQ
|
+29.5% | 13.6% | 16.8% | 7.7% | Bottom 6.0% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)