BlastPoint's Credit Union Scorecard

BANGOR

Charter #10939 · ME

1077 CUs in 100M-500M nationally 33 in ME

BANGOR has 2 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

+ Credit Quality Leader: Top 82.3% in tier
+ Wallet Share Momentum: Top 99.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 4.4% in tier
- Credit Quality Pressure: Bottom 18.5% in tier
- Credit Risk Growth: Bottom 23.8% in tier
- ROA 0.01% below tier average
- Net Worth Ratio: Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	15,761 +0.5% YoY+0.0% QoQ	+132	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	60%
Assets	$279.3M +7.6% YoY+0.6% QoQ	+$48.0M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	70%
Loans	$178.2M +2.9% YoY+0.5% QoQ	+$30.4M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	69%
Deposits	$255.7M +7.5% YoY+0.5% QoQ	+$55.4M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	72%

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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	0.8% +66.1% YoY+2.8% QoQ	-0.0%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	52%
NIM	2.9% +7.3% YoY+0.3% QoQ	-0.7%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	17%
Efficiency Ratio	73.3% -10.3% YoY-0.6% QoQ	-4.0%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	35%
Delinquency Rate	0.3% +53.0% YoY+18.0% QoQ	-0.5	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	21%
Loan To Share	69.7% -4.3% YoY+0.0% QoQ	-3.0%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	40%
AMR	$27,529 +5.0% YoY+0.5% QoQ	+$3K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	75%
CD Concentration	34.8% +3.6% YoY+0.7% QoQ	+10.4%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	34.2% -3.8% YoY-1.7% QoQ	+20.2%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#280 of 340 • Top 82.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.34%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#477 of 481 • Top 99.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.04%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk

#71 of 525 • Bottom 4.4% in tier

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

Why This Signature

Asset Growth (YoY): 7.60%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 34.21%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#458 of 736 • Bottom 18.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#357 of 446 • Bottom 23.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.86%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 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 1077 peers in tier

Top Strengths (4 metrics)

228

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

229

Members Per Employee (MPE)

engagement

Value: 394.025

Peer Avg: -

#229 of 1077 Top 21.2% in 100M-500M tier

233

Asset Growth Rate

growth

Value: 7.60%

Peer Avg: -

#233 of 1077 Top 21.5% in 100M-500M tier

236

Deposit Growth Rate

growth

Value: 7.45%

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1008

Net Worth Ratio

risk

Value: 8.34%

Peer Avg: -

#1008 of 1077 Bottom 6.5% in 100M-500M tier

940

Indirect Auto Concentration (%)

balance_sheet

Value: 34.21%

Peer Avg: -

#940 of 1077 Bottom 12.8% in 100M-500M tier

914

Share Certificate Concentration (%)

balance_sheet

Value: 34.79%

Peer Avg: -

#914 of 1077 Bottom 15.2% in 100M-500M tier

890

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Avg: -

#890 of 1077 Bottom 17.5% in 100M-500M tier