BlastPoint's Credit Union Scorecard
MAINE SAVINGS
Charter #14565 · ME
MAINE SAVINGS has 3 strengths but faces 8 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 Engine: Top 25.2% in tier
- + Organic Growth Leader: Top 25.2% in tier
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.9% in tier
- - Shrinking Wallet Share: Bottom 84.3% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 3.41% above tier (higher cost structure)
- - Delinquency rate 0.89% above tier average
- - Net Worth Ratio: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.0% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Maine.
- Shares and deposits +4.8% year over year ($764M in shares and deposits).
- Membership: 43,279 members, +2.5% vs a year ago.
- Delinquency rate 1.69%.
- Return on assets 0.65%.
- Efficiency ratio 77.95% vs a 74.54% peer average.
- Loan-to-share ratio 84.77% vs a 82.60% 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 |
43,279
+2.5% YoY+0.9% QoQ
|
-9.2K |
52,482
+1.3% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$858.1M
+5.1% YoY+0.7% QoQ
|
$-5.8M |
$863.9M
+0.5% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$647.5M
-1.6% YoY-1.4% QoQ
|
+$39.7M |
$607.8M
+2.1% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$763.9M
+4.8% YoY+0.5% QoQ
|
+$24.0M |
$739.9M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.7%
+206.8% YoY+31.7% QoQ
|
-0.2% |
0.8%
+30.4% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
3.7%
+0.5% YoY+1.0% QoQ
|
+0.2% |
3.5%
+6.2% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
77.9%
-8.6% YoY-5.4% QoQ
|
+3.4% |
74.5%
-1.4% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
1.7%
+42.0% YoY+70.3% QoQ
|
+0.9 |
0.8%
+1.0% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.0% in tier |
| Loan To Share |
84.8%
-6.1% YoY-1.9% QoQ
|
+2.2% |
82.6%
+1.9% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$32,611
-0.7% YoY-1.2% QoQ
|
+$4K |
$28,702
+0.4% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
30.4%
-0.9% YoY-1.2% QoQ
|
+5.8% | 24.6% | 25.5% | 20.0% | 72% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.8% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)