BlastPoint's Credit Union Scorecard
LISBON COMMUNITY
Charter #13190 · ME
LISBON COMMUNITY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 23.2% in tier
- + Organic Growth Leader: Top 27.6% in tier
- + Credit Quality Leader: Top 75.5% in tier
- + Emerging Performer: Top 96.3% in tier
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 23.0% in tier
- - Margin Compression: Bottom 25.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,421
+1.0% YoY+0.5% QoQ
|
-5.2K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$203.2M
+6.5% YoY+0.9% QoQ
|
$-28.1M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$99.4M
+1.8% YoY+1.4% QoQ
|
$-48.4M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$179.8M
+6.4% YoY+0.8% QoQ
|
$-20.5M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.8%
-20.6% YoY-9.6% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
3.2%
-1.3% YoY+1.2% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
74.8%
+7.5% YoY+3.7% QoQ
|
-2.5% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.3%
-14.7% YoY+43.4% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
55.3%
-4.3% YoY+0.6% QoQ
|
-17.4% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
15% |
| AMR |
$26,791
+3.6% YoY+0.5% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
21.3%
+0.6% YoY-3.0% QoQ
|
-3.1% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 (2)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)