BlastPoint's Credit Union Scorecard
BANGOR
Charter #10939 · ME
BANGOR has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% 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 8.2% 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 +5.0% year over year ($267M in shares and deposits).
- Membership: 15,739 members, -0.1% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 1.03%.
- Efficiency ratio 68.91% vs a 76.73% peer average.
- Loan-to-share ratio 66.31% 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 |
15,739
-0.1% YoY+0.2% QoQ
|
+570 |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$293.2M
+5.6% YoY+0.8% QoQ
|
+$61.2M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$177.2M
-0.0% YoY+1.8% QoQ
|
+$30.9M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$267.2M
+5.0% YoY+0.5% QoQ
|
+$66.5M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
1.0%
+35.4% YoY+22.1% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.2%
+8.8% YoY+5.2% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
68.9%
-6.6% YoY-3.9% QoQ
|
-7.8% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.6%
+99.9% YoY+84.5% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
66.3%
-4.8% YoY+1.3% QoQ
|
-5.2% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$28,238
+3.1% YoY+0.8% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
32.8%
-5.1% YoY+1.7% QoQ
|
+8.2% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
33.1%
-4.9% YoY+0.2% QoQ
|
+19.5% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)