BlastPoint's Credit Union Scorecard
MAINE HIGHLANDS
Charter #17398 · ME
MAINE HIGHLANDS has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.7% in tier
- + Organic Growth Leader: Top 26.9% in tier
- + Wallet Share Momentum: Top 35.2% in tier
- + Emerging Performer: Top 85.3% in tier
- + Profitability Leader: Top 91.5% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 0.31% above tier average
- + Asset Growth Rate: Top 5.9% in tier
- + Deposit Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.8% in tier
- - Credit Risk Growth: Bottom 4.5% in tier
- - Margin Compression: Bottom 9.8% in tier
- - Delinquency rate 1.35% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - First Mortgage Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,251
+1.1% YoY+0.5% QoQ
|
-1.4K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$220.5M
+12.2% YoY+0.5% QoQ
|
$-10.8M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$138.5M
+6.4% YoY+1.4% QoQ
|
$-9.3M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$195.8M
+12.5% YoY+0.5% QoQ
|
$-4.5M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.2%
-22.2% YoY-2.8% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
3.9%
-11.4% YoY-0.4% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
72.4%
+2.5% YoY+1.1% QoQ
|
-4.9% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
2.2%
+59.6% YoY+64.6% QoQ
|
+1.4 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
Top 4.7% in tier |
| Loan To Share |
70.7%
-5.5% YoY+0.8% QoQ
|
-2.0% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$23,454
+8.7% YoY+0.4% QoQ
|
$-909 |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
34.7%
+35.9% YoY+0.8% QoQ
|
+10.2% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.5%
-7.6% YoY-2.3% QoQ
|
-12.5% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)