BlastPoint's Credit Union Scorecard
MAINE SAVINGS
Charter #14565 · ME
MAINE SAVINGS has 5 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 Leader: Top 8.7% in tier
- + Organic Growth Engine: Top 15.1% in tier
- + Relationship Depth Leader: Top 73.8% in tier
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.6% in tier
- - Credit Risk Growth: Bottom 2.3% in tier
- - Efficiency Drag: Bottom 22.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 9.32% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - Net Worth Ratio: Bottom 8.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,637
+4.1% YoY+1.0% QoQ
|
-9.5K |
52,114
-2.1% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$837.8M
+5.7% YoY+2.7% QoQ
|
$-21.2M |
$859.0M
+0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$662.8M
+8.5% YoY+0.7% QoQ
|
+$59.4M |
$603.4M
+1.0% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$749.3M
+5.9% YoY+2.8% QoQ
|
+$15.2M |
$734.2M
+0.9% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.4%
-35.7% YoY+72.7% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.7%
+6.1% YoY-0.7% QoQ
|
+0.3% |
3.4%
+9.6% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
83.8%
+2.9% YoY-1.7% QoQ
|
+9.3% |
74.5%
-3.2% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.6%
+213.2% YoY+31.6% QoQ
|
+0.7 |
0.8%
+5.0% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
Top 9.8% in tier |
| Loan To Share |
88.5%
+2.4% YoY-2.0% QoQ
|
+5.8% |
82.7%
+0.1% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$33,120
+2.9% YoY+0.8% QoQ
|
+$4K |
$28,651
+2.5% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
31.8%
-0.7% YoY+3.8% QoQ
|
+7.4% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
75% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% 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)