BlastPoint's Credit Union Scorecard

BREWER

Charter #13682 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

BREWER has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 5.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency ratio 3.21% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 8.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	8,494 -1.3% YoY+0.1% QoQ	-6.9K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	20%
Assets	$116.2M +7.4% YoY+4.8% QoQ	$-115.6M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	Bottom 10.5% in tier
Loans	$72.6M +1.4% YoY-1.5% QoQ	$-74.8M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	17%
Deposits	$104.2M +7.4% YoY+5.3% QoQ	$-96.6M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	Bottom 13.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +9.3% YoY+7.5% QoQ	+0.0%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	47%
NIM	3.4% +2.6% YoY-1.3% QoQ	-0.2%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	35%
Efficiency Ratio	80.2% +1.3% YoY-0.8% QoQ	+3.2%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	60%
Delinquency Rate	0.1% -0.8% YoY-83.9% QoQ	-0.8	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	Top 5.6% in tier
Loan To Share	69.7% -5.6% YoY-6.4% QoQ	-2.6%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	41%
AMR	$20,813 +6.2% YoY+2.3% QoQ	$-4K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	39%
CD Concentration	34.4% -6.2% YoY-1.0% QoQ	+10.0%	24.4%	25.1%	19.8%	50%
Indirect Auto %	38.9% -2.6% YoY-0.8% QoQ	+25.1%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#400 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.24%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#39 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.40%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 38.94%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#303 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.23%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Membership Headwinds

decline

#441 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#503 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.36%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.12%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: -

#61 of 1069 Top 5.6% in 100M-500M tier

203

First Mortgage Concentration (%)

balance_sheet

Value: 14.24%

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

239

Members Per Employee (MPE)

engagement

Value: 386.091

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

255

Deposit Growth Rate

growth

Value: 7.41%

Peer Median: -

#255 of 1069 Top 23.8% in 100M-500M tier

Top Weaknesses (6 metrics)

977

Indirect Auto Concentration (%)

balance_sheet

Value: 38.94%

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

957

Total Assets

balance_sheet

Value: $116.22M

Peer Median: -

#957 of 1069 Bottom 10.6% in 100M-500M tier

925

Total Deposits

balance_sheet

Value: $104.19M

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier

888

Share Certificate Concentration (%)

balance_sheet

Value: 34.39%

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

884

Total Loans

balance_sheet

Value: $72.59M

Peer Median: -

#884 of 1069 Bottom 17.4% in 100M-500M tier

853

Total Members

engagement

Value: 8,494

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier