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 0.49% above tier average
- + Net Interest Margin 0.31% above tier average
- + Total Delinquency Rate (60+ days): Top 4.3% in tier
- + Members Per Employee (MPE): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,948
-0.2% YoY+0.1% QoQ
|
-4.2K |
15,145
-2.5% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$138.4M
+7.6% YoY+2.9% QoQ
|
$-93.4M |
$231.7M
+0.8% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$80.2M
+4.1% YoY+0.2% QoQ
|
$-63.9M |
$144.1M
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$121.1M
+7.1% YoY+3.2% QoQ
|
$-80.0M |
$201.1M
+0.4% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
1.2%
+0.6% YoY-9.5% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.9%
-0.5% YoY-3.2% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
69.1%
-3.4% YoY-0.7% QoQ
|
-9.0% |
78.0%
-1.7% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.1%
-68.1% YoY-54.7% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
Top 4.3% in tier |
| Loan To Share |
66.2%
-2.8% YoY-2.9% QoQ
|
-4.2% |
70.4%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$18,394
+6.1% YoY+1.8% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
14.9%
+23.5% YoY+5.6% QoQ
|
-9.4% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % |
19.5%
+5.3% YoY+6.6% QoQ
|
+5.7% | 13.8% | 16.4% | 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 (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)