BlastPoint's Credit Union Scorecard

MAINE HIGHLANDS

Charter #17398 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

MAINE HIGHLANDS has 5 strengths but faces 6 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.35% above tier average
+ Net Interest Margin 0.32% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 1.34% above tier average
- Total Delinquency Rate (60+ days): Bottom 5.8% in tier
- First Mortgage Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	14,231 +0.6% YoY-0.1% QoQ	-1.2K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	54%
Assets	$221.8M +10.6% YoY+0.6% QoQ	$-10.1M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	57%
Loans	$139.6M +7.0% YoY+0.8% QoQ	$-7.8M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	57%
Deposits	$196.4M +10.4% YoY+0.3% QoQ	$-4.4M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	58%

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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	1.1% -15.3% YoY-3.8% QoQ	+0.3%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	75%
NIM	3.9% -8.0% YoY+0.7% QoQ	+0.3%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	68%
Efficiency Ratio	73.2% +3.2% YoY+1.1% QoQ	-3.8%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	34%
Delinquency Rate	2.2% +65.1% YoY+1.3% QoQ	+1.3	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	Bottom 5.8% in tier
Loan To Share	71.1% -3.1% YoY+0.5% QoQ	-1.2%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	44%
AMR	$23,608 +8.3% YoY+0.7% QoQ	$-1K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	56%
CD Concentration	34.5% +20.4% YoY-0.3% QoQ	+10.1%	24.4%	25.1%	19.8%	50%
Indirect Auto %	1.4% -10.1% YoY-2.9% QoQ	-12.4%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#224 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.26%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Organic Growth Engine

growth

#404 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.64%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.11%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 1.42%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#404 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.64%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 1.42%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#52 of 705 • 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): 0.88% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#64 of 456 • 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): 6.96%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.88% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Margin Compression

decline

#61 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.11%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.31%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | 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 1069 peers in tier

Top Strengths (3 metrics)

108

Asset Growth Rate

growth

Value: 10.57%

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

117

Deposit Growth Rate

growth

Value: 10.41%

Peer Median: -

#117 of 1069 Top 10.9% in 100M-500M tier

177

AMR Growth Rate

growth

Value: 8.26%

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1008

Total Delinquency Rate (60+ days)

risk

Value: 2.24%

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

1004

First Mortgage Concentration (%)

balance_sheet

Value: 58.55%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

902

Members Per Employee (MPE)

engagement

Value: 241.203

Peer Median: -

#902 of 1069 Bottom 15.7% in 100M-500M tier

896

Share Certificate Concentration (%)

balance_sheet

Value: 34.55%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier