BlastPoint's Credit Union Scorecard
ACADIA
Charter #15619 · ME
ACADIA has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.34% above tier average
- + Total Loans: Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.1% in tier
- + Loan-to-Share Ratio: Top 6.9% in tier
- + Average Member Relationship (AMR): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.48% above tier average
- - Members Per Employee (MPE): Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,163
+4.8% YoY+0.4% QoQ
|
+2.7K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$399.4M
+8.1% YoY+1.8% QoQ
|
+$167.5M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Top 11.4% in tier |
| Loans |
$335.7M
+12.4% YoY+1.4% QoQ
|
+$188.3M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Top 2.8% in tier |
| Deposits |
$352.6M
+8.0% YoY+1.9% QoQ
|
+$151.8M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 9.6% in tier |
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| ROA |
0.9%
-7.8% YoY-3.6% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
3.9%
+7.2% YoY-0.1% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
75.1%
-2.4% YoY+1.6% QoQ
|
-1.9% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.4%
+14.7% YoY+63.3% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
95.2%
+4.1% YoY-0.5% QoQ
|
+23.0% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
Top 7.0% in tier |
| AMR |
$37,896
+5.0% YoY+1.3% QoQ
|
+$13K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
Top 7.0% in tier |
| CD Concentration |
34.4%
+2.9% YoY-0.8% QoQ
|
+10.0% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
18.7%
+16.1% YoY-2.4% QoQ
|
+4.9% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)