BlastPoint's Credit Union Scorecard
LISBON COMMUNITY
Charter #13190 · ME
LISBON COMMUNITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 55.2% in tier
- + Organic Growth Leader: Top 74.8% in tier
- + Emerging Performer: Top 91.2% in tier
- + ROA 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 90.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,437
+1.3% YoY+0.2% QoQ
|
-5.0K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$205.5M
+6.8% YoY+1.1% QoQ
|
$-26.4M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$101.1M
+3.3% YoY+1.7% QoQ
|
$-46.2M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$181.7M
+6.7% YoY+1.0% QoQ
|
$-19.1M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.8%
-15.1% YoY+1.2% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.2%
-0.1% YoY-0.2% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
74.6%
+5.4% YoY-0.2% QoQ
|
-2.4% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.3%
-40.3% YoY-3.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
55.7%
-3.2% YoY+0.7% QoQ
|
-16.6% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$27,094
+4.0% YoY+1.1% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
21.7%
-0.6% YoY+1.9% QoQ
|
-2.7% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)