BlastPoint's Credit Union Scorecard

K V

Charter #15328 · ME

1077 CUs in 100M-500M nationally 33 in ME

K V has 6 strengths but faces 3 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

+ Credit Quality Leader: Top 30.1% in tier
+ Profitability Leader: Top 55.8% in tier
+ ROA 0.60% above tier average
+ Net Interest Margin 0.52% above tier average
+ Members Per Employee (MPE): Top 5.8% in tier
+ Total Delinquency Rate (60+ days): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 19.0% in tier
- Stagnation Risk: Bottom 24.2% in tier
- Membership Headwinds: Bottom 33.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	10,952 -0.5% YoY-0.3% QoQ	-4.7K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	35%
Assets	$130.3M +6.4% YoY+0.7% QoQ	$-101.0M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	20%
Loans	$79.2M +2.6% YoY+1.0% QoQ	$-68.6M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	22%
Deposits	$113.8M +5.7% YoY+0.3% QoQ	$-86.5M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	20%

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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	1.4% +5.7% YoY+8.2% QoQ	+0.6%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	Top 14.9% in tier
NIM	4.1% +5.3% YoY+1.6% QoQ	+0.5%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	78%
Efficiency Ratio	69.4% -3.4% YoY-1.4% QoQ	-7.8%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	0.2% -34.9% YoY+114.4% QoQ	-0.7	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	Bottom 8.4% in tier
Loan To Share	69.6% -3.0% YoY+0.7% QoQ	-3.1%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	40%
AMR	$17,628 +5.0% YoY+0.8% QoQ	$-7K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	21%
CD Concentration	13.0% +25.6% YoY+3.2% QoQ	-11.4%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	18.5% -4.1% YoY-0.6% QoQ	+4.6%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#103 of 340 • Top 30.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.17%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.09% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Profitability Leader

growth

#190 of 340 • Top 55.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.39%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk

#306 of 525 • Bottom 19.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.44%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 18.53%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.53%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk

#399 of 550 • Bottom 24.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.53%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.55%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.17%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#547 of 550 • Bottom 33.2% in tier

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

Why This Signature

Member Growth (YoY): -0.53%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | 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 1077 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 497.818

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

161

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

185

Share Certificate Concentration (%)

balance_sheet

Value: 13.05%

Peer Avg: -

#185 of 1077 Top 17.1% in 100M-500M tier

232

Net Interest Margin (NIM)

profitability

Value: 4.10%

Peer Avg: -

#232 of 1077 Top 21.4% in 100M-500M tier

262

Efficiency Ratio

profitability

Value: 69.44%

Peer Avg: -

#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (4 metrics)

859

Total Deposits

balance_sheet

Value: $113.83M

Peer Avg: -

#859 of 1077 Bottom 20.3% in 100M-500M tier

856

Total Assets

balance_sheet

Value: $130.35M

Peer Avg: -

#856 of 1077 Bottom 20.6% in 100M-500M tier

855

Average Member Relationship (AMR)

engagement

Value: $17,628

Peer Avg: -

#855 of 1077 Bottom 20.7% in 100M-500M tier

845

Total Loans

balance_sheet

Value: $79.23M

Peer Avg: -

#845 of 1077 Bottom 21.6% in 100M-500M tier