BlastPoint's Credit Union Scorecard
TRADEMARK
Charter #1133 · ME
TRADEMARK has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 8.88% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,389
+1.1% YoY+0.0% QoQ
|
-7.0K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$125.0M
+5.3% YoY-0.3% QoQ
|
$-106.9M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$85.9M
+7.5% YoY+0.9% QoQ
|
$-61.4M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$111.3M
+5.6% YoY-0.6% QoQ
|
$-89.6M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
0.4%
+2.4% YoY-6.5% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
4.0%
+3.9% YoY-0.1% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
85.9%
-1.7% YoY-0.1% QoQ
|
+8.9% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.0%
-16.2% YoY-44.9% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
77.2%
+1.8% YoY+1.5% QoQ
|
+5.0% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$23,505
+5.3% YoY+0.0% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
26.8%
+16.3% YoY+7.3% QoQ
|
+2.3% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
25.5%
+9.9% YoY-1.3% QoQ
|
+11.8% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)