BlastPoint's Credit Union Scorecard
NEW DIMENSIONS
Charter #11253 · ME
NEW DIMENSIONS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.31% above tier average
- + AMR Growth Rate: Top 5.2% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
- + Asset Growth Rate: Top 6.9% 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 0.32% below tier average
- - Efficiency ratio 8.08% above tier (higher cost structure)
- - Delinquency rate 0.66% above tier average
- - Member decline: -2.2% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +9.6% year over year ($209M in shares and deposits).
- Membership: 15,789 members, -2.2% vs a year ago.
- Delinquency rate 1.54%.
- Return on assets 0.54%.
- Efficiency ratio 84.82% vs a 76.73% peer average.
- Loan-to-share ratio 94.37% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,789
-2.2% YoY-0.5% QoQ
|
+620 |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$244.1M
+10.9% YoY+1.1% QoQ
|
+$12.1M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$197.6M
+12.2% YoY+1.0% QoQ
|
+$51.3M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$209.3M
+9.6% YoY+0.1% QoQ
|
+$8.6M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.5%
+69.5% YoY+62.7% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
4.0%
-2.7% YoY+2.5% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
84.8%
-3.2% YoY-3.6% QoQ
|
+8.1% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
1.5%
-6.6% YoY+33.0% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.4% in tier |
| Loan To Share |
94.4%
+2.4% YoY+0.9% QoQ
|
+22.8% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 6.7% in tier |
| AMR |
$25,772
+13.3% YoY+1.0% QoQ
|
+$665 |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
23.2%
+15.9% YoY+3.9% QoQ
|
-1.4% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
13.1%
-16.5% YoY-5.2% QoQ
|
-0.6% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)