BlastPoint's Credit Union Scorecard
FRANKLIN-SOMERSET
Charter #15159 · ME
FRANKLIN-SOMERSET has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.12% 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 4.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +6.4% year over year ($129M in shares and deposits).
- Membership: 10,001 members, -1.5% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 1.19%.
- Efficiency ratio 70.09% vs a 76.73% peer average.
- Loan-to-share ratio 50.58% vs a 71.54% 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 |
10,001
-1.5% YoY-0.0% QoQ
|
-5.2K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$149.3M
+6.5% YoY-1.6% QoQ
|
$-82.7M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$65.4M
-1.0% YoY+1.2% QoQ
|
$-80.9M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.0% in tier |
| Deposits |
$129.3M
+6.4% YoY-2.1% QoQ
|
$-71.4M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
1.2%
+8.8% YoY+2.8% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.8%
-3.2% YoY+2.4% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
70.1%
-3.3% YoY+0.7% QoQ
|
-6.6% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.8%
+16.3% YoY+18.1% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
50.6%
-6.9% YoY+3.5% QoQ
|
-21.0% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.3% in tier |
| AMR |
$19,465
+5.4% YoY-1.0% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
24.3%
+21.8% YoY+1.7% QoQ
|
-0.2% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
48.4%
+13.4% YoY+3.1% QoQ
|
+34.8% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)