BlastPoint's Credit Union Scorecard
WINTHROP AREA
Charter #2301 · ME
WINTHROP AREA has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.21% above tier average
- + Total Delinquency Rate (60+ days): Top 5.5% in tier
- + Members Per Employee (MPE): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Total Assets: Bottom 2.1% in tier
- - Total Deposits: Bottom 4.2% in tier
- - Indirect Auto Concentration (%): Bottom 5.4% in tier
- - Total Loans: Bottom 8.7% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,942
+1.1% YoY-0.7% QoQ
|
-7.5K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$103.3M
+9.6% YoY+0.2% QoQ
|
$-128.6M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.0% in tier |
| Loans |
$56.4M
+3.4% YoY+0.9% QoQ
|
$-90.9M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.6% in tier |
| Deposits |
$90.9M
+9.3% YoY+0.2% QoQ
|
$-109.9M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.1% in tier |
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| ROA |
1.0%
-7.2% YoY-6.3% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.5%
+0.9% YoY-0.3% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
73.9%
+2.5% YoY+1.1% QoQ
|
-3.1% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.1%
-42.7% YoY-69.3% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
Top 5.5% in tier |
| Loan To Share |
62.1%
-5.4% YoY+0.7% QoQ
|
-10.2% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$18,547
+5.8% YoY+1.1% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
26.5%
+0.3% YoY+2.1% QoQ
|
+2.1% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
44.3%
+4.8% YoY+1.3% QoQ
|
+30.5% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)