BlastPoint's Credit Union Scorecard
BREWER
Charter #13682 · ME
BREWER faces 9 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.8% in tier
- - Indirect Auto Dependency: Bottom 8.7% in tier
- - Membership Headwinds: Bottom 22.1% in tier
- - Stagnation Risk: Bottom 23.2% in tier
- - Efficiency Drag: Bottom 23.7% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 3.60% above tier (higher cost structure)
- - Total Assets: Bottom 7.6% in tier
- - Indirect Auto Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,485
-1.7% YoY-2.8% QoQ
|
-7.1K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$110.9M
+2.3% YoY+0.7% QoQ
|
$-120.4M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.5% in tier |
| Loans |
$73.7M
-0.3% YoY+0.9% QoQ
|
$-74.1M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$99.0M
+2.0% YoY+0.4% QoQ
|
$-101.3M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.9% in tier |
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| ROA |
0.7%
-26.3% YoY+41.6% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.4%
+3.8% YoY+1.9% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
80.9%
+1.3% YoY-3.0% QoQ
|
+3.6% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.7%
+148.5% YoY-9.8% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
74.4%
-2.3% YoY+0.5% QoQ
|
+1.7% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$20,347
+2.8% YoY+3.5% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
34.7%
-1.0% YoY+3.7% QoQ
|
+10.3% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
39.3%
+0.6% YoY-3.1% QoQ
|
+25.3% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)