BlastPoint's Credit Union Scorecard

TRADEMARK

Charter #1133 · ME

100M-500M

1024 CUs in 100M-500M nationally 33 in ME

TRADEMARK has 4 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
+ ROA 0.20% above tier average
+ Net Interest Margin 0.18% above tier average
+ Fee Income Per Member: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 1.18% above tier average
- Member decline: -3.4% YoY
- Total Delinquency Rate (60+ days): Bottom 6.9% in tier

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 +6.8% year over year ($117M in shares and deposits).
Membership: 8,148 members, -3.4% vs a year ago.
Delinquency rate 2.06%.
Return on assets 1.07%.
Efficiency ratio 76.15% vs a 76.73% peer average.
Loan-to-share ratio 74.27% 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	8,148 -3.4% YoY+0.5% QoQ	-7.0K	15,168 -2.6% YoY	16,125 +1.5% YoY	34,678 +6.6% YoY	19%
Assets	$131.6M +6.7% YoY-0.8% QoQ	$-100.4M	$232.0M +0.7% YoY	$282.5M +5.4% YoY	$593.1M +10.2% YoY	20%
Loans	$87.1M +2.4% YoY+0.8% QoQ	$-59.2M	$146.3M +0.2% YoY	$195.0M +5.1% YoY	$418.6M +10.1% YoY	27%
Deposits	$117.3M +6.8% YoY-0.9% QoQ	$-83.5M	$200.7M +0.2% YoY	$246.1M +4.8% YoY	$504.8M +10.3% YoY	22%

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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	1.1% +231.3% YoY-53.2% QoQ	+0.2%	0.9% +12.5% YoY	0.8% -4.3% YoY	1.2% +121.4% YoY	69%
NIM	3.9% -1.7% YoY+4.5% QoQ	+0.2%	3.7% +4.5% YoY	3.6% +1.9% YoY	3.8% +2.3% YoY	63%
Efficiency Ratio	76.1% -13.4% YoY+17.9% QoQ	-0.6%	76.7% -0.8% YoY	78.1% +1.5% YoY	83.0% -5.3% YoY	46%
Delinquency Rate	2.1% +140.9% YoY+113.0% QoQ	+1.2	0.9% +6.6% YoY	0.9% +26.9% YoY	1.3% +2.6% YoY	Bottom 6.9% in tier
Loan To Share	74.3% -4.1% YoY+1.6% QoQ	+2.7%	71.5% -0.3% YoY	74.1% -1.3% YoY	66.4% -1.4% YoY	52%
AMR	$25,079 +8.5% YoY-0.7% QoQ	$-27	$25,107 +3.2% YoY	$26,047 +3.5% YoY	$20,028 -0.9% YoY	61%
CD Concentration	27.1% +20.0% YoY-1.2% QoQ	+2.6%	24.6%	25.5%	20.0%	50%
Indirect Auto %	25.9% +0.3% YoY-1.0% QoQ	+12.3%	13.6%	16.8%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#179 of 483 • 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): 8.54%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#29 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.20% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#111 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.67%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 25.94%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Stagnation Risk

risk

#161 of 549 • 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): -3.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.45%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 2.06%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Risk Growth

risk

#164 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.45%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 1.20% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Membership Headwinds

decline

#218 of 549 • 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): -3.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | 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 1024 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $279.44

Peer Median: $159.88

#76 of 1024 Top 7.3% in 100M-500M tier

138

AMR Growth Rate

growth

Value: 8.54%

Peer Median: 3.53%

#138 of 1024 Top 13.4% in 100M-500M tier

231

Deposit Growth Rate

growth

Value: 6.77%

Peer Median: 3.58%

#231 of 1024 Top 22.5% in 100M-500M tier

Top Weaknesses (6 metrics)

954

Total Delinquency Rate (60+ days)

risk

Value: 2.06%

Peer Median: 0.71%

#954 of 1024 Bottom 6.9% in 100M-500M tier

847

Member Growth Rate

growth

Value: -3.37%

Peer Median: -0.03%

#847 of 1024 Bottom 17.4% in 100M-500M tier

828

Total Members

engagement

Value: 8,148

Peer Median: 13,128

#828 of 1024 Bottom 19.2% in 100M-500M tier

820

Indirect Auto Concentration (%)

balance_sheet

Value: 25.94%

Peer Median: 6.15%

#820 of 1024 Bottom 20.0% in 100M-500M tier

819

Total Assets

balance_sheet

Value: $131.59M

Peer Median: $196.38M

#819 of 1024 Bottom 20.1% in 100M-500M tier

798

Total Deposits

balance_sheet

Value: $117.26M

Peer Median: $170.77M

#798 of 1024 Bottom 22.2% in 100M-500M tier