BlastPoint's Credit Union Scorecard
FRANKLIN-SOMERSET
Charter #15159 · ME
FRANKLIN-SOMERSET has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,983
-0.8% YoY-1.7% QoQ
|
-5.5K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$144.4M
+6.7% YoY+1.5% QoQ
|
$-87.5M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$65.0M
+2.0% YoY-1.4% QoQ
|
$-82.4M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.7% in tier |
| Deposits |
$125.4M
+6.4% YoY+1.6% QoQ
|
$-75.4M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
1.0%
+10.3% YoY-11.7% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.8%
+1.2% YoY-3.7% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
74.5%
-2.3% YoY+3.1% QoQ
|
-2.5% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.8%
-4.7% YoY+24.2% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
51.8%
-4.2% YoY-3.0% QoQ
|
-20.4% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.3% in tier |
| AMR |
$19,067
+5.7% YoY+2.3% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
23.4%
+14.0% YoY+9.1% QoQ
|
-1.0% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
45.1%
+12.6% YoY+2.9% QoQ
|
+31.3% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)