BlastPoint's Credit Union Scorecard

BREWER

Charter #13682 · ME

100M-500M

1070 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 5.5% 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 3.55% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	8,561 -1.2% YoY+0.8% QoQ	-6.6K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	22%
Assets	$117.1M +6.4% YoY+0.8% QoQ	$-114.6M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Bottom 11.6% in tier
Loans	$73.7M +1.7% YoY+1.5% QoQ	$-70.5M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	20%
Deposits	$104.8M +6.2% YoY+0.6% QoQ	$-96.3M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Bottom 13.9% 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% +56.7% YoY-2.5% QoQ	+0.0%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	51%
NIM	3.3% +0.9% YoY-2.3% QoQ	-0.3%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	81.6% -6.2% YoY+1.7% QoQ	+3.5%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	0.1% -87.7% YoY-23.8% QoQ	-0.7	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Top 5.5% in tier
Loan To Share	70.3% -4.2% YoY+0.9% QoQ	-0.1%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	47%
AMR	$20,847 +5.6% YoY+0.2% QoQ	$-4K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	37%
CD Concentration	34.9% +3.7% YoY+1.5% QoQ	+10.6%	24.3%	25.4%	19.8%	50%
Indirect Auto %	38.2% -6.6% YoY-1.8% QoQ	+24.4%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#423 of 491 • 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): 5.58%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#54 of 504 • 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): 6.41%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 38.23%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#416 of 596 • 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: 81.57%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#461 of 570 • 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): -1.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#517 of 570 • 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): -1.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.09%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.61%

#60 of 1070 Top 5.5% in 100M-500M tier

138

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.35%

#138 of 1070 Top 12.8% in 100M-500M tier

196

First Mortgage Concentration (%)

balance_sheet

Value: 13.90%

Peer Median: 29.47%

#196 of 1070 Top 18.2% in 100M-500M tier

197

Members Per Employee (MPE)

engagement

Value: 407.667

Peer Median: 309.176

#197 of 1070 Top 18.3% in 100M-500M tier

Top Weaknesses (6 metrics)

972

Indirect Auto Concentration (%)

balance_sheet

Value: 38.23%

Peer Median: 6.61%

#972 of 1070 Bottom 9.3% in 100M-500M tier

946

Total Assets

balance_sheet

Value: $117.11M

Peer Median: $196.57M

#946 of 1070 Bottom 11.7% in 100M-500M tier

921

Total Deposits

balance_sheet

Value: $104.82M

Peer Median: $171.29M

#921 of 1070 Bottom 14.0% in 100M-500M tier

920

Share Certificate Concentration (%)

balance_sheet

Value: 34.91%

Peer Median: 23.10%

#920 of 1070 Bottom 14.1% in 100M-500M tier

855

Total Loans

balance_sheet

Value: $73.66M

Peer Median: $121.41M

#855 of 1070 Bottom 20.2% in 100M-500M tier

838

Total Members

engagement

Value: 8,561

Peer Median: 13,200

#838 of 1070 Bottom 21.8% in 100M-500M tier