BlastPoint's Credit Union Scorecard

MIDCOAST

Charter #10898 · ME

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

MIDCOAST has 4 strengths but faces 5 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 Leader: Top 27.2% in tier
+ Organic Growth Engine: Top 30.6% in tier
+ Credit Quality Leader: Top 49.6% in tier
+ Loan-to-Share Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.6% in tier
- Liquidity Strain: Bottom 21.2% in tier
- Flatlined Growth: Bottom 52.4% in tier
- ROA 0.27% below tier average
- Efficiency ratio 8.52% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	15,962 +1.1% YoY+0.3% QoQ	+333	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	61%
Assets	$264.6M +1.3% YoY+0.0% QoQ	+$33.3M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	67%
Loans	$216.5M +3.8% YoY+0.8% QoQ	+$68.7M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	79%
Deposits	$231.2M +1.1% YoY-0.8% QoQ	+$30.9M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	67%

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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% +115.9% YoY+17.8% QoQ	-0.3%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	34%
NIM	3.6% +12.5% YoY+2.5% QoQ	-0.0%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	48%
Efficiency Ratio	85.8% -8.0% YoY-2.0% QoQ	+8.5%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	79%
Delinquency Rate	0.2% -14.1% YoY-15.7% QoQ	-0.6	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	Bottom 13.4% in tier
Loan To Share	93.7% +2.6% YoY+1.6% QoQ	+21.0%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Top 9.5% in tier
AMR	$28,047 +1.3% YoY-0.4% QoQ	+$4K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	77%
CD Concentration	23.0% -5.0% YoY-0.8% QoQ	-1.4%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.8% +19.6% YoY+3.6% QoQ	-1.2%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#359 of 430 • Top 27.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.08%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 12.81%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#561 of 603 • Top 30.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.08%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.52%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 12.81%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#169 of 340 • Top 49.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.23%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.04% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk

#241 of 521 • Bottom 13.6% in tier

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

Why This Signature

Efficiency Ratio: 85.80%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.28% points

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

but better than tier avg

Member Growth (YoY): 1.08%

(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 worsening

Liquidity Strain

risk

#165 of 258 • Bottom 21.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.67%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.75%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Flatlined Growth

risk

#55 of 58 • Bottom 52.4% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.28%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.52%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | 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 1077 peers in tier

Top Strengths (6 metrics)

102

Loan-to-Share Ratio

balance_sheet

Value: 93.67%

Peer Avg: -

#102 of 1077 Top 9.4% in 100M-500M tier

145

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

161

Loan-to-Member Ratio (LMR)

engagement

Value: $13,566

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

206

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

227

Total Loans

balance_sheet

Value: $216.54M

Peer Avg: -

#227 of 1077 Top 21.0% in 100M-500M tier

247

Average Member Relationship (AMR)

engagement

Value: $28,047

Peer Avg: -

#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (3 metrics)

968

First Mortgage Concentration (%)

balance_sheet

Value: 53.65%

Peer Avg: -

#968 of 1077 Bottom 10.2% in 100M-500M tier

966

Members Per Employee (MPE)

engagement

Value: 228.029

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

850

Efficiency Ratio

profitability

Value: 85.80%

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier