BlastPoint's Credit Union Scorecard
MAINE SAVINGS
Charter #14565 · ME
MAINE SAVINGS has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does ME stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 19.8% in tier
- + Organic Growth Engine: Top 19.8% in tier
- + Relationship Depth Leader: Top 65.1% in tier
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.3% in tier
- - Efficiency Drag: Bottom 27.8% in tier
- - Credit Risk Growth: Bottom 44.7% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 8.53% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Net Worth Ratio: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,588
+3.1% YoY-0.1% QoQ
|
-9.5K |
52,084
-1.6% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$845.7M
+6.7% YoY+0.9% QoQ
|
$-18.2M |
$863.9M
+0.5% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$661.8M
+4.0% YoY-0.2% QoQ
|
+$56.0M |
$605.8M
+1.4% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$754.5M
+6.8% YoY+0.7% QoQ
|
+$17.2M |
$737.3M
+0.1% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.4%
-16.3% YoY+13.2% QoQ
|
-0.3% |
0.7%
+39.1% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.6%
+3.7% YoY-0.7% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
82.9%
-0.1% YoY-1.2% QoQ
|
+8.5% |
74.3%
-3.6% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.2%
+67.8% YoY-21.3% QoQ
|
+0.3 |
0.9%
+3.8% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
87.7%
-2.7% YoY-0.8% QoQ
|
+5.2% |
82.6%
+1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$33,255
+2.3% YoY+0.4% QoQ
|
+$4K |
$28,873
+2.7% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
31.5%
-0.5% YoY-1.0% QoQ
|
+7.1% | 24.4% | 25.1% | 19.8% | 75% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 15.9% | 7.8% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)