BlastPoint's Credit Union Scorecard
DIRIGO
Charter #11144 · ME
DIRIGO has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.8% in tier
- + Total Deposits: Top 1.5% in tier
- + Total Assets: Top 2.8% in tier
- + Total Members: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 1.43% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,431
+4.2% YoY+0.7% QoQ
|
+13.0K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
Top 8.2% in tier |
| Assets |
$472.7M
+8.4% YoY+1.0% QoQ
|
+$240.8M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Top 2.9% in tier |
| Loans |
$374.4M
+7.2% YoY+2.3% QoQ
|
+$227.0M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Top 0.9% in tier |
| Deposits |
$419.8M
+8.7% YoY+0.8% QoQ
|
+$219.0M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 1.6% in tier |
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| ROA |
0.5%
-20.3% YoY-0.5% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
2.9%
+2.7% YoY+0.7% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
78.4%
+0.2% YoY+1.1% QoQ
|
+1.4% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.8%
-15.7% YoY-11.0% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
89.2%
-1.4% YoY+1.5% QoQ
|
+16.9% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$27,934
+3.7% YoY+0.8% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
31.7%
+9.2% YoY+2.9% QoQ
|
+7.3% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
32.1%
+9.7% YoY+1.4% QoQ
|
+18.3% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)