BlastPoint's Credit Union Scorecard
MAINE SOLUTIONS
Charter #17436 · ME
MAINE SOLUTIONS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Efficiency ratio 8.43% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.1% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 8 that size in Maine.
- Shares and deposits +4.7% year over year ($18.7M in shares and deposits).
- Membership: 1,175 members, -1.9% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.05%.
- Efficiency ratio 97.20% vs a 88.77% peer average.
- Loan-to-share ratio 60.11% vs a 58.89% 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 |
1,175
-1.9% YoY0% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$20.9M
+2.5% YoY-2.7% QoQ
|
$-9.4M |
$30.3M
+1.5% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$11.2M
-5.3% YoY-1.7% QoQ
|
$-4.2M |
$15.5M
-1.7% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$18.7M
+4.7% YoY-3.5% QoQ
|
$-7.1M |
$25.8M
+1.1% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
50% |
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| ROA |
0.1%
-92.0% YoY-80.4% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.0% in tier |
| NIM |
2.9%
-6.2% YoY+4.4% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
97.2%
+22.1% YoY+11.9% QoQ
|
+8.4% |
88.8%
-6.9% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.9%
+1.7% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
60.1%
-9.5% YoY+1.9% QoQ
|
+1.2% |
58.9%
-3.1% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$25,463
+2.7% YoY-2.9% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 8.3% in tier |
| CD Concentration |
27.9%
-8.2% YoY+3.6% QoQ
|
+3.4% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.8% | 7.7% | 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)