BlastPoint's Credit Union Scorecard

MIDCOAST

Charter #10898 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 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 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.07% above tier average
+ Loan-to-Share Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.49% below tier average
- Efficiency ratio 11.57% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	16,020 +1.3% YoY+0.1% QoQ	+874	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	63%
Assets	$266.9M +1.6% YoY+0.0% QoQ	+$35.2M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	68%
Loans	$216.3M +2.6% YoY+0.3% QoQ	+$72.2M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	81%
Deposits	$236.1M +1.4% YoY+1.8% QoQ	+$35.0M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -23.8% YoY-53.3% QoQ	-0.5%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	19%
NIM	3.7% +9.7% YoY+3.1% QoQ	+0.1%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	89.6% -0.3% YoY+5.0% QoQ	+11.6%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.2% -24.0% YoY-40.2% QoQ	-0.6	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Top 13.5% in tier
Loan To Share	91.6% +1.2% YoY-1.4% QoQ	+21.2%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Top 9.1% in tier
AMR	$28,241 +0.7% YoY+1.0% QoQ	+$3K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	75%
CD Concentration	22.5% -9.9% YoY-3.2% QoQ	-1.7%	24.3%	25.4%	19.8%	50%
Indirect Auto %	14.0% +16.2% YoY+7.2% QoQ	+0.2%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#288 of 371 • 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): 1.26%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 13.98%

(Tier: 13.80%, National: 7.73%)

but worse than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#348 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.26%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.24%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 13.98%

(Tier: 13.80%, National: 7.73%)

but worse than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#46 of 596 • 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: 89.60%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.26%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Strain

risk

#160 of 183 • 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: 91.62%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.57%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 1070 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 91.62%

Peer Median: 71.88%

#97 of 1070 Top 9.0% in 100M-500M tier

145

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.61%

#145 of 1070 Top 13.5% in 100M-500M tier

176

Loan-to-Member Ratio (LMR)

engagement

Value: $13,502

Peer Median: $9,356

#176 of 1070 Top 16.4% in 100M-500M tier

206

Total Loans

balance_sheet

Value: $216.31M

Peer Median: $121.41M

#206 of 1070 Top 19.2% in 100M-500M tier

268

Average Member Relationship (AMR)

engagement

Value: $28,241

Peer Median: $22,931

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (4 metrics)

975

Members Per Employee (MPE)

engagement

Value: 219.452

Peer Median: 309.176

#975 of 1070 Bottom 9.0% in 100M-500M tier

952

First Mortgage Concentration (%)

balance_sheet

Value: 52.38%

Peer Median: 29.47%

#952 of 1070 Bottom 11.1% in 100M-500M tier

902

Efficiency Ratio

profitability

Value: 89.60%

Peer Median: 78.68%

#902 of 1070 Bottom 15.8% in 100M-500M tier

868

Return on Assets (ROA)

profitability

Value: 0.24%

Peer Median: 0.69%

#868 of 1070 Bottom 19.0% in 100M-500M tier