BlastPoint's Credit Union Scorecard
MAINE HIGHLANDS
Charter #17398 · ME
MAINE HIGHLANDS has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.26% 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 1.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - First Mortgage Concentration (%): Bottom 6.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +4.3% year over year ($203M in shares and deposits).
- Membership: 14,204 members, +0.2% vs a year ago.
- Delinquency rate 2.32%.
- Return on assets 1.00%.
- Efficiency ratio 74.60% vs a 76.73% peer average.
- Loan-to-share ratio 69.12% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,204
+0.2% YoY+0.1% QoQ
|
-964 |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$230.1M
+4.9% YoY+1.5% QoQ
|
$-1.9M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$140.4M
+2.8% YoY+1.8% QoQ
|
$-5.8M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$203.2M
+4.3% YoY+1.1% QoQ
|
+$2.5M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
1.0%
-15.4% YoY+27.1% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.9%
+0.8% YoY+2.4% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
74.6%
+4.2% YoY-2.3% QoQ
|
-2.1% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
2.3%
+73.1% YoY+47.0% QoQ
|
+1.4 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
69.1%
-1.5% YoY+0.7% QoQ
|
-2.4% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$24,189
+3.5% YoY+1.3% QoQ
|
$-918 |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
33.5%
-2.4% YoY-2.3% QoQ
|
+9.0% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
1.2%
-21.2% YoY-9.6% QoQ
|
-12.5% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)