BlastPoint's Credit Union Scorecard
BREWER
Charter #13682 · ME
BREWER has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Total Delinquency Rate (60+ days): Top 4.8% 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
- - ROA 0.24% below tier average
- - Efficiency ratio 4.87% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.4% 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 +6.9% year over year ($105M in shares and deposits).
- Membership: 8,618 members, -1.3% vs a year ago.
- Delinquency rate 0.08%.
- Return on assets 0.63%.
- Efficiency ratio 81.60% vs a 76.73% peer average.
- Loan-to-share ratio 70.54% 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 |
8,618
-1.3% YoY+0.7% QoQ
|
-6.6K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$117.8M
+7.0% YoY+0.6% QoQ
|
$-114.2M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.4% in tier |
| Loans |
$74.3M
+1.8% YoY+0.9% QoQ
|
$-71.9M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$105.3M
+6.9% YoY+0.5% QoQ
|
$-95.4M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.8% in tier |
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| ROA |
0.6%
+31.7% YoY-11.3% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.3%
-0.8% YoY+0.9% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
81.6%
-2.2% YoY+0.0% QoQ
|
+4.9% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.1%
-89.9% YoY-8.6% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Top 4.8% in tier |
| Loan To Share |
70.5%
-4.8% YoY+0.4% QoQ
|
-1.0% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$20,848
+6.1% YoY+0.0% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
35.1%
+4.7% YoY+0.5% QoQ
|
+10.5% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
37.0%
-8.6% YoY-3.1% QoQ
|
+23.4% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)