BlastPoint's Credit Union Scorecard
LISBON COMMUNITY
Charter #13190 · ME
LISBON COMMUNITY has 3 strengths but faces 2 concerns
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
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +3.7% year over year ($185M in shares and deposits).
- Membership: 10,485 members, +1.1% vs a year ago.
- Delinquency rate 0.23%.
- Return on assets 0.87%.
- Efficiency ratio 75.43% vs a 76.73% peer average.
- Loan-to-share ratio 55.23% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,485
+1.1% YoY+0.1% QoQ
|
-4.7K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$209.7M
+4.1% YoY-0.7% QoQ
|
$-22.3M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$102.2M
+4.2% YoY+2.5% QoQ
|
$-44.1M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$185.0M
+3.7% YoY-1.1% QoQ
|
$-15.7M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.9%
-5.0% YoY+9.3% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.2%
+1.2% YoY+2.0% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
75.4%
+4.6% YoY-1.6% QoQ
|
-1.3% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
0.2%
+3.5% YoY-13.0% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Top 13.3% in tier |
| Loan To Share |
55.2%
+0.5% YoY+3.7% QoQ
|
-16.3% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$27,385
+2.7% YoY+0.0% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
21.2%
-3.6% YoY+1.7% QoQ
|
-3.4% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.8% | 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 (2)
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.
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)