BlastPoint's Credit Union Scorecard
THE COUNTY
Charter #10794 · ME
THE COUNTY faces 8 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.5% in tier
- - Efficiency Drag: Bottom 29.5% in tier
- - Indirect Auto Dependency: Bottom 42.0% in tier
- - Credit Risk Growth: Bottom 55.7% in tier
- - Efficiency ratio 4.97% above tier (higher cost structure)
- - Total Assets: Bottom 1.8% in tier
- - Total Deposits: Bottom 8.5% in tier
- - Indirect Auto Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,923
+4.1% YoY+0.6% QoQ
|
-6.7K |
38,575
-4.8% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$501.8M
+5.8% YoY+2.0% QoQ
|
$-120.0M |
$621.7M
+0.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.2% in tier |
| Loans |
$370.3M
+2.2% YoY-1.0% QoQ
|
$-59.5M |
$429.8M
-1.8% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$443.0M
+6.0% YoY+2.0% QoQ
|
$-95.7M |
$538.7M
+0.6% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.9% in tier |
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| ROA |
0.6%
-2.7% YoY+1.0% QoQ
|
+0.0% |
0.7%
+42.9% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.4%
+6.1% YoY-0.1% QoQ
|
+0.0% |
3.4%
+8.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
82.5%
+0.1% YoY-0.4% QoQ
|
+5.0% |
77.5%
-4.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.6%
+60.3% YoY-6.6% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
83.6%
-3.6% YoY-3.0% QoQ
|
+3.7% |
79.8%
-2.3% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$25,476
+0.1% YoY+0.1% QoQ
|
$-1K |
$26,849
+2.7% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
30.9%
+0.4% YoY+3.0% QoQ
|
+6.4% | 24.4% | 25.1% | 19.8% | 73% |
| Indirect Auto % |
41.7%
+1.2% YoY-0.2% QoQ
|
+28.0% | 13.8% | 15.9% | 7.8% | Bottom 7.4% 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 Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)