BlastPoint's Credit Union Scorecard

MIDCOAST

Charter #10898 · ME

100M-500M

1024 CUs in 100M-500M nationally 33 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
+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.56% below tier average
- Efficiency ratio 12.00% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 6.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
Shares and deposits +1.2% year over year ($236M in shares and deposits).
Membership: 16,081 members, +1.1% vs a year ago.
Delinquency rate 0.41%.
Return on assets 0.31%.
Efficiency ratio 88.74% vs a 76.73% peer average.
Loan-to-share ratio 91.22% vs a 71.54% 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	16,081 +1.1% YoY+0.4% QoQ	+912	15,168 -2.6% YoY	16,125 +1.5% YoY	34,678 +6.6% YoY	64%
Assets	$267.1M +1.0% YoY+0.1% QoQ	+$35.1M	$232.0M +0.7% YoY	$282.5M +5.4% YoY	$593.1M +10.2% YoY	67%
Loans	$215.0M +0.1% YoY-0.6% QoQ	+$68.8M	$146.3M +0.2% YoY	$195.0M +5.1% YoY	$418.6M +10.1% YoY	79%
Deposits	$235.7M +1.2% YoY-0.2% QoQ	+$35.0M	$200.7M +0.2% YoY	$246.1M +4.8% YoY	$504.8M +10.3% YoY	68%

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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	0.3% -30.0% YoY+27.9% QoQ	-0.6%	0.9% +12.5% YoY	0.8% -4.3% YoY	1.2% +121.4% YoY	Bottom 15.0% in tier
NIM	3.7% +8.1% YoY+1.2% QoQ	+0.1%	3.7% +4.5% YoY	3.6% +1.9% YoY	3.8% +2.3% YoY	55%
Efficiency Ratio	88.7% +1.3% YoY-1.0% QoQ	+12.0%	76.7% -0.8% YoY	78.1% +1.5% YoY	83.0% -5.3% YoY	Bottom 14.6% in tier
Delinquency Rate	0.4% +50.1% YoY+100.7% QoQ	-0.5	0.9% +6.6% YoY	0.9% +26.9% YoY	1.3% +2.6% YoY	28%
Loan To Share	91.2% -1.1% YoY-0.4% QoQ	+19.7%	71.5% -0.3% YoY	74.1% -1.3% YoY	66.4% -1.4% YoY	Top 12.5% in tier
AMR	$28,031 -0.5% YoY-0.7% QoQ	+$3K	$25,107 +3.2% YoY	$26,047 +3.5% YoY	$20,028 -0.9% YoY	74%
CD Concentration	22.8% -1.6% YoY+1.4% QoQ	-1.7%	24.6%	25.5%	20.0%	50%
Indirect Auto %	14.3% +15.8% YoY+2.4% QoQ	+0.7%	13.6%	16.8%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#281 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 14.32%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#336 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.31%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 14.32%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Efficiency Drag

risk

#64 of 531 • 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: 88.74%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 1.09%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#430 of 693 • 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): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Flatlined Growth

risk

#40 of 42 • Bottom 50.0% 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): 0.96%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.31%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Liquidity Strain

risk

#216 of 224 • 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: 91.22%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.06%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (4 metrics)

128

Loan-to-Share Ratio

balance_sheet

Value: 91.22%

Peer Median: 73.07%

#128 of 1024 Top 12.4% in 100M-500M tier

180

Loan-to-Member Ratio (LMR)

engagement

Value: $13,372

Peer Median: $9,434

#180 of 1024 Top 17.5% in 100M-500M tier

211

Total Loans

balance_sheet

Value: $215.03M

Peer Median: $124.04M

#211 of 1024 Top 20.5% in 100M-500M tier

227

Fee Income Per Member

profitability

Value: $216.14

Peer Median: $159.88

#227 of 1024 Top 22.1% in 100M-500M tier

Top Weaknesses (6 metrics)

961

Members Per Employee (MPE)

engagement

Value: 208.844

Peer Median: 310.924

#961 of 1024 Bottom 6.2% in 100M-500M tier

901

First Mortgage Concentration (%)

balance_sheet

Value: 51.50%

Peer Median: 29.92%

#901 of 1024 Bottom 12.1% in 100M-500M tier

875

Efficiency Ratio

profitability

Value: 88.74%

Peer Median: 77.26%

#875 of 1024 Bottom 14.6% in 100M-500M tier

870

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Median: 0.75%

#870 of 1024 Bottom 15.1% in 100M-500M tier

836

AMR Growth Rate

growth

Value: -0.45%

Peer Median: 3.53%

#836 of 1024 Bottom 18.5% in 100M-500M tier

780

Asset Growth Rate

growth

Value: 0.96%

Peer Median: 4.12%

#780 of 1024 Bottom 23.9% in 100M-500M tier