BlastPoint's Credit Union Scorecard

MIDCOAST

Charter #10898 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

MIDCOAST has 3 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.25% below tier average
- Efficiency ratio 8.32% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	16,007 +1.3% YoY+0.3% QoQ	+569	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	62%
Assets	$266.8M +3.4% YoY+0.8% QoQ	+$35.0M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	67%
Loans	$215.6M +3.4% YoY-0.4% QoQ	+$68.2M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	80%
Deposits	$232.0M +2.2% YoY+0.4% QoQ	+$31.2M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	66%

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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% +65.7% YoY-0.4% QoQ	-0.2%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	33%
NIM	3.6% +12.4% YoY+1.0% QoQ	+0.0%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	49%
Efficiency Ratio	85.3% -7.0% YoY-0.5% QoQ	+8.3%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	0.3% +43.0% YoY+48.3% QoQ	-0.6	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	19%
Loan To Share	92.9% +1.2% YoY-0.8% QoQ	+20.7%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	Top 9.4% in tier
AMR	$27,962 +1.4% YoY-0.3% QoQ	+$3K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	75%
CD Concentration	23.3% -5.8% YoY+1.0% QoQ	-1.2%	24.4%	25.1%	19.8%	50%
Indirect Auto %	13.0% +16.7% YoY+1.8% QoQ	-0.7%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#322 of 426 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 1.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 13.05%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#540 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.51%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 13.05%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#195 of 538 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 85.33%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 1.34%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#510 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Strain

risk

#169 of 228 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.93%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.41%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#379 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.41%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 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 1069 peers in tier

Top Strengths (6 metrics)

101

Loan-to-Share Ratio

balance_sheet

Value: 92.93%

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

177

Loan-to-Member Ratio (LMR)

engagement

Value: $13,468

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

203

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

218

Total Loans

balance_sheet

Value: $215.58M

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

256

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

263

Average Member Relationship (AMR)

engagement

Value: $27,962

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (3 metrics)

971

Members Per Employee (MPE)

engagement

Value: 222.319

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

950

First Mortgage Concentration (%)

balance_sheet

Value: 53.02%

Peer Median: -

#950 of 1069 Bottom 11.2% in 100M-500M tier

845

Efficiency Ratio

profitability

Value: 85.33%

Peer Median: -

#845 of 1069 Bottom 21.0% in 100M-500M tier