BlastPoint's Credit Union Scorecard

ACADIA

Charter #15619 · ME

100M-500M

1024 CUs in 100M-500M nationally 33 in ME

ACADIA has 8 strengths but faces 8 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Net Interest Margin 0.25% above tier average
+ Total Loans: Top 1.8% in tier
+ Loan-to-Share Ratio: Top 3.4% in tier
+ Loan-to-Member Ratio (LMR): Top 4.7% in tier
+ Average Member Relationship (AMR): Top 7.4% in tier
+ Total Deposits: Top 8.4% in tier
+ Total Assets: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.36% below tier average
- Efficiency ratio 7.98% above tier (higher cost structure)
- Delinquency rate 0.24% above tier average
- Members Per Employee (MPE): Bottom 3.7% in tier
- Net Charge-Off Rate: Bottom 8.0% 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 +5.1% year over year ($359M in shares and deposits).
Membership: 18,676 members, +4.5% vs a year ago.
Delinquency rate 1.12%.
Return on assets 0.51%.
Efficiency ratio 84.72% vs a 76.73% peer average.
Loan-to-share ratio 97.89% 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	18,676 +4.5% YoY+2.1% QoQ	+3.5K	15,168 -2.6% YoY	16,125 +1.5% YoY	34,678 +6.6% YoY	72%
Assets	$412.8M +6.9% YoY+1.2% QoQ	+$180.8M	$232.0M +0.7% YoY	$282.5M +5.4% YoY	$593.1M +10.2% YoY	Top 9.1% in tier
Loans	$351.0M +9.0% YoY+4.4% QoQ	+$204.8M	$146.3M +0.2% YoY	$195.0M +5.1% YoY	$418.6M +10.1% YoY	Top 1.9% in tier
Deposits	$358.6M +5.1% YoY-0.6% QoQ	+$157.9M	$200.7M +0.2% YoY	$246.1M +4.8% YoY	$504.8M +10.3% YoY	Top 8.5% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -36.7% YoY+28.1% QoQ	-0.4%	0.9% +12.5% YoY	0.8% -4.3% YoY	1.2% +121.4% YoY	28%
NIM	3.9% +1.9% YoY+2.5% QoQ	+0.2%	3.7% +4.5% YoY	3.6% +1.9% YoY	3.8% +2.3% YoY	67%
Efficiency Ratio	84.7% +11.7% YoY-2.4% QoQ	+8.0%	76.7% -0.8% YoY	78.1% +1.5% YoY	83.0% -5.3% YoY	75%
Delinquency Rate	1.1% -22.2% YoY-30.9% QoQ	+0.2	0.9% +6.6% YoY	0.9% +26.9% YoY	1.3% +2.6% YoY	73%
Loan To Share	97.9% +3.7% YoY+5.0% QoQ	+26.3%	71.5% -0.3% YoY	74.1% -1.3% YoY	66.4% -1.4% YoY	Top 3.5% in tier
AMR	$37,999 +2.4% YoY-0.2% QoQ	+$13K	$25,107 +3.2% YoY	$26,047 +3.5% YoY	$20,028 -0.9% YoY	Top 7.5% in tier
CD Concentration	34.5% +6.2% YoY+1.6% QoQ	+10.0%	24.6%	25.5%	20.0%	50%
Indirect Auto %	19.0% +4.8% YoY+1.0% QoQ	+5.4%	13.6%	16.8%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#221 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.38%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk

#41 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.89%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.03%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#363 of 476 • 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): 6.88%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 19.00%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 4.55%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Efficiency Drag

risk

#431 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.72%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.29% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 4.55%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (9 metrics)

Total Loans

balance_sheet

Value: $351.05M

Peer Median: $124.04M

#19 of 1024 Top 1.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.89%

Peer Median: 73.07%

#36 of 1024 Top 3.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,797

Peer Median: $9,434

#49 of 1024 Top 4.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $37,999

Peer Median: $23,006

#77 of 1024 Top 7.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $358.62M

Peer Median: $170.77M

#87 of 1024 Top 8.4% in 100M-500M tier

Total Assets

balance_sheet

Value: $412.79M

Peer Median: $196.38M

#93 of 1024 Top 9.0% in 100M-500M tier

108

Member Growth Rate

growth

Value: 4.55%

Peer Median: -0.03%

#108 of 1024 Top 10.4% in 100M-500M tier

202

Loan Growth Rate

growth

Value: 9.03%

Peer Median: 3.02%

#202 of 1024 Top 19.6% in 100M-500M tier

253

Asset Growth Rate

growth

Value: 6.88%

Peer Median: 4.12%

#253 of 1024 Top 24.6% in 100M-500M tier

Top Weaknesses (5 metrics)

987

Members Per Employee (MPE)

engagement

Value: 194.542

Peer Median: 310.924

#987 of 1024 Bottom 3.7% in 100M-500M tier

943

Net Charge-Off Rate

risk

Value: 1.07%

Peer Median: 0.34%

#943 of 1024 Bottom 8.0% in 100M-500M tier

851

Share Certificate Concentration (%)

balance_sheet

Value: 34.53%

Peer Median: 23.39%

#851 of 1024 Bottom 17.0% in 100M-500M tier

782

First Mortgage Concentration (%)

balance_sheet

Value: 42.17%

Peer Median: 29.92%

#782 of 1024 Bottom 23.7% in 100M-500M tier

773

Efficiency Ratio

profitability

Value: 84.72%

Peer Median: 77.26%

#773 of 1024 Bottom 24.6% in 100M-500M tier