BlastPoint's Credit Union Scorecard

THE COUNTY

Charter #10794 · ME

1077 CUs in 100M-500M nationally 33 in ME

THE COUNTY has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 23.5% in tier
+ Total Deposits: Top 0.3% in tier
+ Total Assets: Top 0.7% in tier
+ Total Loans: Top 0.7% in tier
+ Total Members: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.2% in tier
- Indirect Auto Dependency: Bottom 11.3% in tier
- Efficiency Drag: Bottom 18.5% in tier
- Credit Risk Growth: Bottom 19.7% in tier
- ROA 0.17% below tier average
- Efficiency ratio 5.53% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	31,744 +3.7% YoY+1.1% QoQ	+16.1K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	Top 5.9% in tier
Assets	$491.7M +4.3% YoY+0.6% QoQ	+$260.4M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	Top 0.8% in tier
Loans	$374.0M +2.5% YoY+1.8% QoQ	+$226.2M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	Top 0.8% in tier
Deposits	$434.1M +4.0% YoY+0.6% QoQ	+$233.8M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	Top 0.4% in tier

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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	0.6% -10.9% YoY+23.0% QoQ	-0.2%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	41%
NIM	3.4% +7.0% YoY+2.2% QoQ	-0.1%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	41%
Efficiency Ratio	82.8% +2.5% YoY-3.0% QoQ	+5.5%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	70%
Delinquency Rate	0.6% +78.0% YoY+40.8% QoQ	-0.2	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	48%
Loan To Share	86.2% -1.5% YoY+1.3% QoQ	+13.5%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	77%
AMR	$25,457 -0.4% YoY+0.1% QoQ	+$1K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	67%
CD Concentration	29.9% -1.0% YoY+1.6% QoQ	+5.5%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	41.8% +1.1% YoY+0.2% QoQ	+27.9%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#432 of 603 • Top 23.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.65%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.62%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 41.84%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk

#279 of 736 • Bottom 11.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#183 of 525 • Bottom 11.3% in tier

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

Why This Signature

Asset Growth (YoY): 4.30%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 41.84%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.65%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Efficiency Drag

risk

#327 of 521 • Bottom 18.5% in tier

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

Why This Signature

Efficiency Ratio: 82.80%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 3.65%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Risk Growth

risk

#296 of 446 • Bottom 19.7% in tier

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

Why This Signature

Loan Growth (YoY): 2.45%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

Total Deposits

balance_sheet

Value: $434.11M

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $491.72M

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Total Loans

balance_sheet

Value: $374.01M

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Total Members

engagement

Value: 31,744

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

157

Member Growth Rate

growth

Value: 3.65%

Peer Avg: -

#157 of 1077 Top 14.5% in 100M-500M tier

175

Net Charge-Off Rate

risk

Value: 0.10%

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

248

Loan-to-Share Ratio

balance_sheet

Value: 86.16%

Peer Avg: -

#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (2 metrics)

994

Indirect Auto Concentration (%)

balance_sheet

Value: 41.84%

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

870

AMR Growth Rate

growth

Value: -0.37%

Peer Avg: -

#870 of 1077 Bottom 19.3% in 100M-500M tier