BlastPoint's Credit Union Scorecard
DIRIGO
Charter #11144 · ME
DIRIGO has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.2% in tier
- + Total Assets: Top 0.4% in tier
- + Total Loans: Top 0.7% in tier
- + Total Members: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 5.43% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,620
+3.8% YoY+0.7% QoQ
|
+13.5K |
15,145
-2.5% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
Top 7.3% in tier |
| Assets |
$494.9M
+8.0% YoY+4.7% QoQ
|
+$263.2M |
$231.7M
+0.8% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
Top 0.5% in tier |
| Loans |
$374.1M
+6.8% YoY-0.1% QoQ
|
+$229.9M |
$144.1M
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
Top 0.7% in tier |
| Deposits |
$441.5M
+8.2% YoY+5.2% QoQ
|
+$240.4M |
$201.1M
+0.4% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
Top 0.3% in tier |
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| ROA |
0.4%
-41.5% YoY-28.5% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
2.8%
-0.6% YoY-2.6% QoQ
|
-0.8% |
3.6%
+4.6% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio |
83.5%
+10.2% YoY+6.4% QoQ
|
+5.4% |
78.0%
-1.7% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
0.7%
-10.1% YoY-11.0% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
84.7%
-1.3% YoY-5.0% QoQ
|
+14.3% |
70.4%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$28,497
+3.6% YoY+2.0% QoQ
|
+$4K |
$24,918
+2.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
33.0%
+12.4% YoY+4.0% QoQ
|
+8.7% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % |
31.8%
+7.6% YoY-1.0% QoQ
|
+18.0% | 13.8% | 16.4% | 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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)