BlastPoint's Credit Union Scorecard

NEW DIMENSIONS

Charter #11253 · ME

1077 CUs in 100M-500M nationally 33 in ME

NEW DIMENSIONS has 4 strengths but faces 10 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 22.1% in tier
+ Net Interest Margin 0.50% above tier average
+ Loan-to-Share Ratio: Top 6.1% in tier
+ AMR Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.0% in tier
- Membership Headwinds: Bottom 12.6% in tier
- Stagnation Risk: Bottom 14.0% in tier
- Indirect Auto Dependency: Bottom 15.1% in tier
- Efficiency Drag: Bottom 24.1% in tier
- ROA 0.29% below tier average
- Efficiency ratio 7.45% above tier (higher cost structure)
- Delinquency rate 0.37% above tier average
- Member decline: -3.3% YoY
- Net Worth Ratio: Bottom 3.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	16,053 -3.3% YoY-0.6% QoQ	+424	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	61%
Assets	$229.1M +9.2% YoY+4.1% QoQ	$-2.2M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	58%
Loans	$185.6M +10.0% YoY+5.4% QoQ	+$37.8M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	72%
Deposits	$192.3M +4.1% YoY+0.6% QoQ	$-8.0M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	57%

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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	0.5% +1041.3% YoY+56.1% QoQ	-0.3%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	32%
NIM	4.1% +8.9% YoY-0.5% QoQ	+0.5%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	78%
Efficiency Ratio	84.7% -7.6% YoY-3.3% QoQ	+7.4%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	1.2% -40.7% YoY-25.4% QoQ	+0.4	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	78%
Loan To Share	96.5% +5.7% YoY+4.7% QoQ	+23.8%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Top 6.2% in tier
AMR	$23,537 +10.6% YoY+3.5% QoQ	$-827	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	57%
CD Concentration	20.2% -21.3% YoY+1.1% QoQ	-4.2%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.0% -24.1% YoY-4.0% QoQ	+1.0%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#107 of 481 • Top 22.1% in tier

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

Why This Signature

AMR Growth (YoY): 10.57%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk

#71 of 258 • Bottom 9.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.50%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.02%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Membership Headwinds

decline

#209 of 550 • Bottom 12.6% in tier

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

Why This Signature

Member Growth (YoY): -3.32%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#232 of 550 • Bottom 14.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.32%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 10.02%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.23%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#243 of 525 • Bottom 15.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.24%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 15.02%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -3.32%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#426 of 521 • Bottom 24.1% in tier

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

Why This Signature

Efficiency Ratio: 84.73%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.45% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -3.32%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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 1077 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 96.50%

Peer Avg: -

#67 of 1077 Top 6.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.57%

Peer Avg: -

#86 of 1077 Top 7.9% in 100M-500M tier

154

Asset Growth Rate

growth

Value: 9.24%

Peer Avg: -

#154 of 1077 Top 14.2% in 100M-500M tier

162

Loan Growth Rate

growth

Value: 10.02%

Peer Avg: -

#162 of 1077 Top 14.9% in 100M-500M tier

212

Fee Income Per Member

profitability

Value: $228.67

Peer Avg: -

#212 of 1077 Top 19.6% in 100M-500M tier

240

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (4 metrics)

1038

Net Worth Ratio

risk

Value: 7.96%

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

896

Member Growth Rate

growth

Value: -3.32%

Peer Avg: -

#896 of 1077 Bottom 16.9% in 100M-500M tier

846

Total Delinquency Rate (60+ days)

risk

Value: 1.23%

Peer Avg: -

#846 of 1077 Bottom 21.5% in 100M-500M tier

817

Efficiency Ratio

profitability

Value: 84.73%

Peer Avg: -

#817 of 1077 Bottom 24.2% in 100M-500M tier