BlastPoint's Credit Union Scorecard
K V
Charter #15328 · ME
K V has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 0.46% above tier average
- + Members Per Employee (MPE): Top 5.9% in tier
- + Total Delinquency Rate (60+ days): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,937
-0.4% YoY-0.1% QoQ
|
-4.5K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$134.4M
+7.7% YoY+3.1% QoQ
|
$-97.5M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$80.1M
+3.9% YoY+1.1% QoQ
|
$-67.2M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$117.4M
+7.1% YoY+3.2% QoQ
|
$-83.4M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.3%
+1.3% YoY-2.9% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
Top 14.5% in tier |
| NIM |
4.1%
+4.4% YoY-0.8% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
69.5%
-2.4% YoY+0.1% QoQ
|
-7.5% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.2%
-53.6% YoY-4.6% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
Top 7.7% in tier |
| Loan To Share |
68.2%
-3.0% YoY-2.0% QoQ
|
-4.0% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$18,062
+6.2% YoY+2.5% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
14.1%
+24.6% YoY+8.0% QoQ
|
-10.3% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
18.3%
-2.2% YoY-1.0% QoQ
|
+4.5% | 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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)