BlastPoint's Credit Union Scorecard
MAINE SOLUTIONS
Charter #17436 · ME
MAINE SOLUTIONS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 1.34% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - First Mortgage Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,188
-4.7% YoY-0.8% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$20.7M
+0.2% YoY+1.4% QoQ
|
$-9.1M |
$29.9M
+1.1% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$12.1M
+0.1% YoY+2.1% QoQ
|
$-3.7M |
$15.8M
-2.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$18.6M
-0.4% YoY+4.2% QoQ
|
$-6.9M |
$25.5M
+0.4% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
0.6%
+854.6% YoY-15.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
3.1%
+24.9% YoY-0.6% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
82.7%
-14.4% YoY+4.0% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.8%
+328.7% YoY
|
-0.7 |
1.5%
-2.0% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
65.1%
+0.5% YoY-2.1% QoQ
|
+3.8% |
61.2%
-3.0% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$25,847
+4.7% YoY+4.2% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
Top 7.0% in tier |
| CD Concentration |
28.0%
-6.9% YoY-7.9% QoQ
|
+3.6% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
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)