BlastPoint's Credit Union Scorecard
WINTHROP AREA
Charter #2301 · ME
WINTHROP AREA has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Strong member growth: 8.6% YoY
- + Member Growth Rate: Top 4.3% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
- + Total Delinquency Rate (60+ days): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 2.76% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
- - Total Assets: Bottom 4.3% in tier
- - Total Deposits: Bottom 6.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +4.5% year over year ($94.2M in shares and deposits).
- Membership: 8,670 members, +8.6% vs a year ago.
- Delinquency rate 0.10%.
- Return on assets 0.79%.
- Efficiency ratio 79.50% vs a 76.73% peer average.
- Loan-to-share ratio 63.53% vs a 71.54% 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 |
8,670
+8.6% YoY+8.0% QoQ
|
-6.5K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$106.7M
+4.9% YoY+1.5% QoQ
|
$-125.3M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.2% in tier |
| Loans |
$59.8M
+7.4% YoY+2.8% QoQ
|
$-86.4M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.9% in tier |
| Deposits |
$94.2M
+4.5% YoY+1.5% QoQ
|
$-106.5M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.3% in tier |
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| ROA |
0.8%
-20.7% YoY+2.2% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.3%
-5.6% YoY-0.7% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
79.5%
+6.1% YoY-0.4% QoQ
|
+2.8% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.1%
-54.5% YoY-3.8% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Top 5.6% in tier |
| Loan To Share |
63.5%
+2.7% YoY+1.2% QoQ
|
-8.0% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$17,763
-2.8% YoY-5.5% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
28.9%
+11.2% YoY+3.1% QoQ
|
+4.3% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
47.4%
+10.6% YoY+3.8% QoQ
|
+33.8% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)