BlastPoint's Credit Union Scorecard

NEW DIMENSIONS

Charter #11253 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

NEW DIMENSIONS has 7 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.26% above tier average
+ AMR Growth Rate: Top 2.8% in tier
+ Asset Growth Rate: Top 3.9% in tier
+ Deposit Growth Rate: Top 3.9% in tier
+ Loan-to-Share Ratio: Top 5.7% in tier
+ Loan Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 9.94% above tier (higher cost structure)
- Delinquency rate 0.38% above tier average
- Member decline: -2.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	15,866 -2.3% YoY-0.5% QoQ	+720	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	62%
Assets	$241.4M +13.5% YoY+1.6% QoQ	+$9.7M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	61%
Loans	$195.6M +15.2% YoY+2.2% QoQ	+$51.5M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	75%
Deposits	$209.2M +13.5% YoY+5.9% QoQ	+$8.0M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	62%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +127.5% YoY-40.1% QoQ	-0.4%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	25%
NIM	3.9% -3.7% YoY-2.4% QoQ	+0.3%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	88.0% -3.1% YoY+5.6% QoQ	+9.9%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.2% -37.6% YoY-23.1% QoQ	+0.4	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	82%
Loan To Share	93.5% +1.6% YoY-3.4% QoQ	+23.1%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Top 5.8% in tier
AMR	$25,513 +17.0% YoY+4.6% QoQ	+$594	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	64%
CD Concentration	22.3% +21.3% YoY+4.9% QoQ	-2.0%	24.3%	25.4%	19.8%	50%
Indirect Auto %	13.8% -17.3% YoY-5.3% QoQ	+0.0%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#38 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 16.97%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk

#53 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.53%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 15.24%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Efficiency Drag

risk

#213 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.96%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.19% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.27%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#325 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.27%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#407 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.27%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 15.24%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.16%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 16.97%

Peer Median: 3.46%

#31 of 1070 Top 2.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 13.55%

Peer Median: 3.91%

#43 of 1070 Top 3.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.47%

Peer Median: 3.30%

#43 of 1070 Top 3.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.53%

Peer Median: 71.88%

#62 of 1070 Top 5.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.24%

Peer Median: 2.93%

#73 of 1070 Top 6.7% in 100M-500M tier

154

Fee Income Per Member

profitability

Value: $233.13

Peer Median: $154.95

#154 of 1070 Top 14.3% in 100M-500M tier

237

Loan-to-Member Ratio (LMR)

engagement

Value: $12,330

Peer Median: $9,356

#237 of 1070 Top 22.1% in 100M-500M tier

268

Total Loans

balance_sheet

Value: $195.62M

Peer Median: $121.41M

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1043

Net Worth Ratio

risk

Value: 7.83%

Peer Median: 11.45%

#1043 of 1070 Bottom 2.6% in 100M-500M tier

876

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: 0.61%

#876 of 1070 Bottom 18.2% in 100M-500M tier

852

Efficiency Ratio

profitability

Value: 87.96%

Peer Median: 78.68%

#852 of 1070 Bottom 20.5% in 100M-500M tier