BlastPoint's Credit Union Scorecard
MAINE SOLUTIONS
Charter #17436 · ME
MAINE SOLUTIONS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 7.5% in tier
- + Loan-to-Member Ratio (LMR): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 4.18% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - First Mortgage Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,183
-4.7% YoY-0.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$20.6M
+0.4% YoY-0.5% QoQ
|
$-9.5M |
$30.1M
+2.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$11.8M
-5.6% YoY-2.7% QoQ
|
$-4.0M |
$15.8M
-1.3% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$18.5M
+0.0% YoY-0.5% QoQ
|
$-7.2M |
$25.7M
+1.4% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
0.4%
+160.8% YoY-23.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.0%
+15.0% YoY-0.9% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
86.7%
-6.5% YoY+4.8% QoQ
|
+4.2% |
82.6%
-2.3% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.8%
+354.6% YoY+2.8% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
63.6%
-5.6% YoY-2.2% QoQ
|
+3.0% |
60.6%
-3.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$25,606
+2.5% YoY-0.9% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
Top 7.6% in tier |
| CD Concentration |
27.3%
+0.9% YoY-2.4% QoQ
|
+2.9% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)