BlastPoint's Credit Union Scorecard
LISBON COMMUNITY
Charter #13190 · ME
LISBON COMMUNITY demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.07% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,474
+1.5% YoY+0.4% QoQ
|
-4.7K |
15,145
-2.5% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$211.2M
+5.7% YoY+2.8% QoQ
|
$-20.5M |
$231.7M
+0.8% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$99.7M
+1.6% YoY-1.4% QoQ
|
$-44.5M |
$144.1M
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$187.1M
+5.5% YoY+3.0% QoQ
|
$-14.1M |
$201.1M
+0.4% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.8%
-3.8% YoY-5.0% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
3.1%
-1.0% YoY-1.8% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
76.7%
+3.1% YoY+2.8% QoQ
|
-1.3% |
78.0%
-1.7% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.3%
-46.1% YoY-13.8% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
53.3%
-3.8% YoY-4.3% QoQ
|
-17.2% |
70.4%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 15.0% in tier |
| AMR |
$27,375
+2.6% YoY+1.0% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
20.8%
-4.4% YoY-4.0% QoQ
|
-3.5% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.4% | 7.7% | 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 (<15%). 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 (0)
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)