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 0.07% 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 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,672
-0.4% YoY-0.6% QoQ
|
+234 |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$283.9M
+4.8% YoY+1.6% QoQ
|
+$52.1M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$174.5M
-1.0% YoY-2.1% QoQ
|
+$27.1M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$259.5M
+4.3% YoY+1.5% QoQ
|
+$58.7M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
0.8%
+61.3% YoY+6.9% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.0%
+11.3% YoY+0.7% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
72.7%
-9.5% YoY-0.8% QoQ
|
-4.3% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.4%
+0.6% YoY+20.9% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
67.2%
-5.1% YoY-3.5% QoQ
|
-5.0% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$27,690
+2.5% YoY+0.6% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
33.3%
-4.0% YoY-4.3% QoQ
|
+8.9% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
33.8%
-4.3% YoY-1.2% QoQ
|
+20.0% | 13.8% | 15.9% | 7.8% | 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)