BlastPoint's Credit Union Scorecard

NEW DIMENSIONS

Charter #11253 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

NEW DIMENSIONS has 5 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 0.39% above tier average
+ AMR Growth Rate: Top 4.5% in tier
+ Loan-to-Share Ratio: Top 4.7% in tier
+ Asset Growth Rate: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.21% below tier average
- Efficiency ratio 6.26% above tier (higher cost structure)
- Delinquency rate 0.61% above tier average
- Member decline: -2.8% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	15,949 -2.8% YoY-0.6% QoQ	+511	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	61%
Assets	$237.5M +13.5% YoY+3.7% QoQ	+$5.6M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	60%
Loans	$191.4M +12.9% YoY+3.1% QoQ	+$44.0M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	73%
Deposits	$197.6M +8.8% YoY+2.8% QoQ	$-3.2M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	58%

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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	0.6% +336.7% YoY+11.3% QoQ	-0.2%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	36%
NIM	4.0% +4.7% YoY-2.2% QoQ	+0.4%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	83.3% -7.5% YoY-1.7% QoQ	+6.3%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.5% -30.5% YoY+22.4% QoQ	+0.6	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	Bottom 13.7% in tier
Loan To Share	96.9% +3.8% YoY+0.4% QoQ	+24.6%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	Top 4.8% in tier
AMR	$24,389 +13.9% YoY+3.6% QoQ	$-287	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	60%
CD Concentration	21.2% -3.7% YoY+5.1% QoQ	-3.2%	24.4%	25.1%	19.8%	50%
Indirect Auto %	14.5% -18.1% YoY-3.1% QoQ	+0.8%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#67 of 513 • 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): 13.93%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#36 of 228 • 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: 96.86%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 12.87%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Membership Headwinds

decline

#274 of 554 • 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): -2.79%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#346 of 554 • 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): -2.79%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 12.87%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.50%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#434 of 538 • 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: 83.28%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.43% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.79%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 13.93%

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.86%

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 13.50%

Peer Median: -

#53 of 1069 Top 4.9% in 100M-500M tier

109

Loan Growth Rate

growth

Value: 12.87%

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

177

Deposit Growth Rate

growth

Value: 8.78%

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

201

Fee Income Per Member

profitability

Value: $231.63

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

262

Loan-to-Member Ratio (LMR)

engagement

Value: $12,000

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1036

Net Worth Ratio

risk

Value: 7.87%

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

924

Total Delinquency Rate (60+ days)

risk

Value: 1.50%

Peer Median: -

#924 of 1069 Bottom 13.7% in 100M-500M tier

846

Member Growth Rate

growth

Value: -2.79%

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier