BlastPoint's Credit Union Scorecard

ACADIA

Charter #15619 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 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 0.21% above tier average
+ Total Loans: Top 2.4% in tier
+ Loan-to-Member Ratio (LMR): Top 4.8% in tier
+ Loan-to-Share Ratio: Top 6.2% in tier
+ Average Member Relationship (AMR): Top 7.3% in tier
+ Total Deposits: Top 8.6% in tier
+ Total Assets: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.33% below tier average
- Efficiency ratio 8.79% above tier (higher cost structure)
- Delinquency rate 0.85% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	18,300 +4.5% YoY+0.8% QoQ	+3.2K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	71%
Assets	$408.1M +5.7% YoY+2.2% QoQ	+$176.4M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Top 9.9% in tier
Loans	$336.1M +9.7% YoY+0.1% QoQ	+$192.0M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Top 2.5% in tier
Deposits	$360.6M +5.7% YoY+2.3% QoQ	+$159.5M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Top 8.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -57.6% YoY-56.5% QoQ	-0.3%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	29%
NIM	3.8% +0.9% YoY-2.8% QoQ	+0.2%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	65%
Efficiency Ratio	86.8% +16.9% YoY+15.5% QoQ	+8.8%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	1.6% +96.8% YoY+18.5% QoQ	+0.8	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Bottom 9.0% in tier
Loan To Share	93.2% +3.8% YoY-2.1% QoQ	+22.8%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Top 6.3% in tier
AMR	$38,074 +3.0% YoY+0.5% QoQ	+$13K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	Top 7.4% in tier
CD Concentration	34.0% +2.0% YoY-1.2% QoQ	+9.7%	24.3%	25.4%	19.8%	50%
Indirect Auto %	18.8% +12.4% YoY+0.7% QoQ	+5.0%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#193 of 257 • 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): 2.96%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.3K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (5)

Credit Risk Growth

risk

#32 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.65%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.80% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#49 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.80% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Liquidity Strain

risk

#77 of 183 • 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: 93.20%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.65%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Efficiency Drag

risk

#483 of 596 • 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: 86.82%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.54% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 4.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#421 of 504 • 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): 5.69%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.80%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $336.11M

Peer Median: $121.41M

#27 of 1070 Top 2.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,367

Peer Median: $9,356

#52 of 1070 Top 4.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.20%

Peer Median: 71.88%

#67 of 1070 Top 6.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $38,074

Peer Median: $22,931

#79 of 1070 Top 7.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $360.64M

Peer Median: $171.29M

#93 of 1070 Top 8.6% in 100M-500M tier

106

Total Assets

balance_sheet

Value: $408.09M

Peer Median: $196.57M

#106 of 1070 Top 9.8% in 100M-500M tier

132

Member Growth Rate

growth

Value: 4.47%

Peer Median: -0.06%

#132 of 1070 Top 12.2% in 100M-500M tier

193

Loan Growth Rate

growth

Value: 9.65%

Peer Median: 2.93%

#193 of 1070 Top 17.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1041

Members Per Employee (MPE)

engagement

Value: 190.625

Peer Median: 309.176

#1041 of 1070 Bottom 2.8% in 100M-500M tier

977

Net Charge-Off Rate

risk

Value: 1.12%

Peer Median: 0.35%

#977 of 1070 Bottom 8.8% in 100M-500M tier

975

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Median: 0.61%

#975 of 1070 Bottom 9.0% in 100M-500M tier

886

Share Certificate Concentration (%)

balance_sheet

Value: 34.00%

Peer Median: 23.10%

#886 of 1070 Bottom 17.3% in 100M-500M tier

830

First Mortgage Concentration (%)

balance_sheet

Value: 43.23%

Peer Median: 29.47%

#830 of 1070 Bottom 22.5% in 100M-500M tier

827

Efficiency Ratio

profitability

Value: 86.82%

Peer Median: 78.68%

#827 of 1070 Bottom 22.8% in 100M-500M tier