BlastPoint's Credit Union Scorecard
DIRIGO
Charter #11144 · ME
DIRIGO has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.5% in tier
- + Total Loans: Top 0.9% in tier
- + Total Deposits: Top 1.5% in tier
- + Total Assets: Top 3.3% in tier
- + Total Members: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.5% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 0.34% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,247
+3.6% YoY+1.1% QoQ
|
+12.6K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
Top 9.1% in tier |
| Assets |
$467.9M
+9.0% YoY+0.7% QoQ
|
+$236.6M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 3.4% in tier |
| Loans |
$366.0M
+6.5% YoY+2.5% QoQ
|
+$218.2M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Top 1.0% in tier |
| Deposits |
$416.7M
+9.2% YoY+0.7% QoQ
|
+$216.4M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 1.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-20.3% YoY-4.2% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
2.9%
+2.4% YoY+1.6% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
77.6%
-0.8% YoY+0.2% QoQ
|
+0.3% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.9%
-7.7% YoY+7.0% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
87.8%
-2.5% YoY+1.7% QoQ
|
+15.1% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$27,707
+4.2% YoY+0.5% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
30.8%
+9.6% YoY+3.8% QoQ
|
+6.4% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
31.7%
+7.4% YoY+2.7% QoQ
|
+17.7% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)