BlastPoint's Credit Union Scorecard

BANGOR

Charter #10939 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

BANGOR has 1 strength but faces 3 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

+ ROA 0.12% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	15,712 -0.1% YoY+0.3% QoQ	+566	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	61%
Assets	$291.0M +6.3% YoY+2.5% QoQ	+$59.3M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	72%
Loans	$174.0M -1.1% YoY-0.2% QoQ	+$29.9M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	70%
Deposits	$265.9M +5.8% YoY+2.5% QoQ	+$64.8M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	74%

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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	0.8% +64.5% YoY+1.0% QoQ	+0.1%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	60%
NIM	3.0% +8.8% YoY+2.4% QoQ	-0.6%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	71.7% -7.0% YoY-1.4% QoQ	-6.3%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.3% +26.9% YoY-24.1% QoQ	-0.5	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	22%
Loan To Share	65.4% -6.5% YoY-2.7% QoQ	-5.0%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	36%
AMR	$28,002 +3.0% YoY+1.1% QoQ	+$3K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	74%
CD Concentration	32.3% -5.9% YoY-3.0% QoQ	+8.0%	24.3%	25.4%	19.8%	50%
Indirect Auto %	33.0% -6.1% YoY-2.3% QoQ	+19.2%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk

#110 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.27%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 33.02%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#554 of 727 • 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): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 (1 metrics)

242

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.61%

#242 of 1070 Top 22.5% in 100M-500M tier

Top Weaknesses (4 metrics)

997

Net Worth Ratio

risk

Value: 8.47%

Peer Median: 11.45%

#997 of 1070 Bottom 6.9% in 100M-500M tier

933

Indirect Auto Concentration (%)

balance_sheet

Value: 33.02%

Peer Median: 6.61%

#933 of 1070 Bottom 12.9% in 100M-500M tier

889

Net Interest Margin (NIM)

profitability

Value: 3.02%

Peer Median: 3.62%

#889 of 1070 Bottom 17.0% in 100M-500M tier

841

Share Certificate Concentration (%)

balance_sheet

Value: 32.27%

Peer Median: 23.10%

#841 of 1070 Bottom 21.5% in 100M-500M tier