BlastPoint's Credit Union Scorecard

MAINE SAVINGS

Charter #14565 · ME

Community 750M-1B

117 CUs in 750M-1B nationally 2 in ME

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MAINE SAVINGS has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 17.9% in tier
+ Organic Growth Engine: Top 17.9% in tier
+ Relationship Depth Leader: Top 72.0% in tier
+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.2% in tier
- Efficiency Drag: Bottom 35.7% in tier
- Credit Risk Growth: Bottom 56.5% in tier
- ROA 0.27% below tier average
- Efficiency ratio 6.87% above tier (higher cost structure)
- Delinquency rate 0.31% above tier average
- Net Worth Ratio: Bottom 6.8% in tier
- Members Per Employee (MPE): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	42,905 +3.5% YoY+0.7% QoQ	-8.6K	51,500 +0.7% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	28%
Assets	$852.0M +6.7% YoY+0.7% QoQ	$-13.6M	$865.6M +0.9% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	47%
Loans	$656.4M +2.1% YoY-0.8% QoQ	+$61.1M	$595.3M +1.6% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	66%
Deposits	$759.7M +6.7% YoY+0.7% QoQ	+$17.5M	$742.2M +0.6% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	63%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +231.1% YoY+19.2% QoQ	-0.3%	0.8% +45.0% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	38%
NIM	3.7% -0.3% YoY+0.8% QoQ	+0.2%	3.5% +6.1% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	82.4% -6.8% YoY-0.6% QoQ	+6.9%	75.5% -3.4% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	73%
Delinquency Rate	1.0% +109.6% YoY-19.5% QoQ	+0.3	0.7% -0.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	78%
Loan To Share	86.4% -4.3% YoY-1.5% QoQ	+5.8%	80.6% +0.7% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	57%
AMR	$33,004 +1.0% YoY-0.8% QoQ	+$4K	$28,908 +0.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	74%
CD Concentration	30.8% -0.9% YoY-2.4% QoQ	+6.5%	24.3%	25.4%	19.8%	73%
Indirect Auto %	0.0%	-13.8%	13.8%	16.4%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#133 of 371 • Top 17.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.49%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#152 of 352 • Top 17.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.49%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.49%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Relationship Depth Leader

growth

#256 of 257 • Top 72.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.03%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.0K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#109 of 727 • Bottom 8.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.52% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#223 of 476 • Bottom 56.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.13%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.52% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#536 of 596 • Bottom 35.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.41%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.34% points

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

but better than tier avg

Member Growth (YoY): 3.49%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 117 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,298

Peer Median: $11,598

#25 of 117 Top 20.5% in 750M-1B tier

Fee Income Per Member

profitability

Value: $258.84

Peer Median: $187.56

#28 of 117 Top 23.1% in 750M-1B tier

Member Growth Rate

growth

Value: 3.49%

Peer Median: 0.97%

#28 of 117 Top 23.1% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $33,004

Peer Median: $26,209

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (3 metrics)

110

Net Worth Ratio

risk

Value: 7.76%

Peer Median: 10.69%

#110 of 117 Bottom 6.8% in 750M-1B tier

109

Members Per Employee (MPE)

engagement

Value: 243.778

Peer Median: 328.468

#109 of 117 Bottom 7.7% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.99%

Peer Median: 0.56%

#92 of 117 Bottom 22.2% in 750M-1B tier