BlastPoint's Credit Union Scorecard
TRADEMARK
Charter #1133 · ME
TRADEMARK has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 31.7% in tier
- + Wallet Share Momentum: Top 90.2% in tier
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.3% in tier
- - Credit Quality Pressure: Bottom 2.4% in tier
- - Efficiency Drag: Bottom 5.3% in tier
- - Indirect Auto Dependency: Bottom 17.9% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 8.74% above tier (higher cost structure)
- - Delinquency rate 1.00% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,386
+1.3% YoY-0.5% QoQ
|
-7.2K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$125.4M
+5.0% YoY+1.6% QoQ
|
$-105.9M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$85.2M
+9.0% YoY+0.2% QoQ
|
$-62.6M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$111.9M
+5.2% YoY+1.9% QoQ
|
$-88.4M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
0.4%
+13.0% YoY+24.7% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
4.0%
+5.7% YoY+1.0% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
86.0%
-2.2% YoY-2.2% QoQ
|
+8.7% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.9%
+91.3% YoY+117.4% QoQ
|
+1.0 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
Top 8.8% in tier |
| Loan To Share |
76.1%
+3.6% YoY-1.7% QoQ
|
+3.4% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$23,496
+5.5% YoY+1.7% QoQ
|
$-868 |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
24.9%
+15.3% YoY+10.3% QoQ
|
+0.5% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
25.9%
+15.7% YoY+0.0% QoQ
|
+11.9% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)