BlastPoint's Credit Union Scorecard

FRANKLIN-SOMERSET

Charter #15159 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

FRANKLIN-SOMERSET has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.43% above tier average
+ Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	10,005 -1.0% YoY+0.2% QoQ	-5.1K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	32%
Assets	$151.8M +8.4% YoY+5.1% QoQ	$-79.9M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	32%
Loans	$64.6M +0.2% YoY-0.6% QoQ	$-79.6M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Bottom 13.6% in tier
Deposits	$132.1M +8.0% YoY+5.4% QoQ	$-69.0M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	31%

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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	1.2% +24.5% YoY+18.8% QoQ	+0.4%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	78%
NIM	3.7% -2.4% YoY-1.0% QoQ	+0.1%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	69.6% -7.5% YoY-6.6% QoQ	-8.4%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.6% +14.9% YoY-19.6% QoQ	-0.1	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	52%
Loan To Share	48.9% -7.3% YoY-5.7% QoQ	-21.5%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Bottom 11.1% in tier
AMR	$19,659 +6.4% YoY+3.1% QoQ	$-5K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	30%
CD Concentration	23.9% +18.1% YoY+2.1% QoQ	-0.4%	24.3%	25.4%	19.8%	50%
Indirect Auto %	46.9% +13.2% YoY+4.1% QoQ	+33.1%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#340 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.36%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#4 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.38%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 46.94%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#525 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Stagnation Risk

risk

#436 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.64%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#501 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

163

Asset Growth Rate

growth

Value: 8.38%

Peer Median: 3.91%

#163 of 1070 Top 15.1% in 100M-500M tier

179

Deposit Growth Rate

growth

Value: 8.01%

Peer Median: 3.30%

#179 of 1070 Top 16.6% in 100M-500M tier

236

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: 0.69%

#236 of 1070 Top 22.0% in 100M-500M tier

255

Efficiency Ratio

profitability

Value: 69.63%

Peer Median: 78.68%

#255 of 1070 Top 23.7% in 100M-500M tier

263

AMR Growth Rate

growth

Value: 6.36%

Peer Median: 3.46%

#263 of 1070 Top 24.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1025

Indirect Auto Concentration (%)

balance_sheet

Value: 46.94%

Peer Median: 6.61%

#1025 of 1070 Bottom 4.3% in 100M-500M tier

951

Loan-to-Share Ratio

balance_sheet

Value: 48.88%

Peer Median: 71.88%

#951 of 1070 Bottom 11.2% in 100M-500M tier

924

Total Loans

balance_sheet

Value: $64.58M

Peer Median: $121.41M

#924 of 1070 Bottom 13.7% in 100M-500M tier

883

Loan-to-Member Ratio (LMR)

engagement

Value: $6,455

Peer Median: $9,356

#883 of 1070 Bottom 17.6% in 100M-500M tier

806

Fee Income Per Member

profitability

Value: $110.00

Peer Median: $154.95

#806 of 1070 Bottom 24.8% in 100M-500M tier