BlastPoint's Credit Union Scorecard
WINTHROP AREA
Charter #2301 · ME
WINTHROP AREA has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.8% in tier
- + Wallet Share Momentum: Top 70.0% in tier
- + Credit Quality Leader: Top 94.4% in tier
- + ROA 0.25% above tier average
- + Members Per Employee (MPE): Top 5.6% in tier
- + Asset Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 26.6% in tier
- - Credit Risk Growth: Bottom 28.3% in tier
- - Total Assets: Bottom 1.9% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
- - Total Loans: Bottom 7.6% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,994
+0.9% YoY+0.1% QoQ
|
-7.6K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$103.0M
+10.5% YoY+1.3% QoQ
|
$-128.3M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.8% in tier |
| Loans |
$55.9M
+2.7% YoY+0.3% QoQ
|
$-91.9M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.5% in tier |
| Deposits |
$90.7M
+10.3% YoY+0.7% QoQ
|
$-109.6M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.4% in tier |
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| ROA |
1.0%
-1.0% YoY+4.8% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.5%
+1.8% YoY-0.1% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
73.1%
+1.6% YoY-2.5% QoQ
|
-4.2% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.4%
+8.0% YoY+73.3% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
61.6%
-6.9% YoY-0.4% QoQ
|
-11.1% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$18,339
+6.3% YoY+0.4% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
25.9%
+2.9% YoY-0.1% QoQ
|
+1.5% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
43.7%
+5.0% YoY+1.9% QoQ
|
+29.8% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)