BlastPoint's Credit Union Scorecard
ACADIA
Charter #15619 · ME
ACADIA has 12 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.0% in tier
- + Organic Growth Engine: Top 9.5% in tier
- + Relationship Depth Leader: Top 64.8% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.36% above tier average
- + Strong member growth: 5.1% YoY
- + Total Loans: Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.9% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
- + Average Member Relationship (AMR): Top 7.1% in tier
- + Member Growth Rate: Top 9.0% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.5% in tier
- - Liquidity Strain: Bottom 8.4% in tier
- - Credit Quality Pressure: Bottom 15.2% in tier
- - Indirect Auto Dependency: Bottom 26.8% in tier
- - Members Per Employee (MPE): Bottom 5.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,099
+5.1% YoY+1.3% QoQ
|
+2.5K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$392.4M
+5.8% YoY+1.6% QoQ
|
+$161.1M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 11.9% in tier |
| Loans |
$331.1M
+12.6% YoY+2.8% QoQ
|
+$183.3M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Top 3.1% in tier |
| Deposits |
$346.1M
+5.2% YoY+1.5% QoQ
|
+$145.8M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 10.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
-4.6% YoY+17.7% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.9%
+8.4% YoY+2.4% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
74.0%
-2.1% YoY-2.4% QoQ
|
-3.3% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.8%
+28.4% YoY-41.8% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
95.7%
+7.0% YoY+1.4% QoQ
|
+23.0% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
Top 7.1% in tier |
| AMR |
$37,415
+3.4% YoY+0.8% QoQ
|
+$13K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
Top 7.1% in tier |
| CD Concentration |
34.7%
+5.0% YoY+6.7% QoQ
|
+10.3% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.1%
+20.3% YoY+5.5% QoQ
|
+5.1% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)