BlastPoint's Credit Union Scorecard

WINTHROP AREA

Charter #2301 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

WINTHROP AREA has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 6.8% in tier
+ Members Per Employee (MPE): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency ratio 1.76% above tier (higher cost structure)
- Total Assets: Bottom 3.9% in tier
- Indirect Auto Concentration (%): Bottom 5.0% in tier
- Total Deposits: Bottom 5.7% in tier
- Total Loans: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	8,031 +1.3% YoY+1.1% QoQ	-7.1K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	18%
Assets	$105.1M +7.2% YoY+1.8% QoQ	$-126.6M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Bottom 3.8% in tier
Loans	$58.2M +5.6% YoY+3.2% QoQ	$-85.9M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Bottom 9.9% in tier
Deposits	$92.8M +7.0% YoY+2.1% QoQ	$-108.4M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Bottom 5.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -2.2% YoY-21.1% QoQ	+0.0%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	56%
NIM	3.3% -5.2% YoY-4.6% QoQ	-0.3%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	79.8% +0.1% YoY+8.0% QoQ	+1.8%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.1% -57.0% YoY-11.0% QoQ	-0.7	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Top 6.8% in tier
Loan To Share	62.8% -1.3% YoY+1.1% QoQ	-7.7%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	31%
AMR	$18,799 +5.0% YoY+1.4% QoQ	$-6K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	26%
CD Concentration	28.0% +7.2% YoY+5.7% QoQ	+3.7%	24.3%	25.4%	19.8%	50%
Indirect Auto %	45.7% +7.2% YoY+3.2% QoQ	+31.9%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#151 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.77%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.34%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth

#483 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.03%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#40 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.19%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 45.70%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.34%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#74 of 1070 Top 6.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 472.412

Peer Median: 309.176

#92 of 1070 Top 8.5% in 100M-500M tier

170

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.35%

#170 of 1070 Top 15.8% in 100M-500M tier

241

Deposit Growth Rate

growth

Value: 6.97%

Peer Median: 3.30%

#241 of 1070 Top 22.4% in 100M-500M tier

249

Asset Growth Rate

growth

Value: 7.19%

Peer Median: 3.91%

#249 of 1070 Top 23.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1029

Total Assets

balance_sheet

Value: $105.08M

Peer Median: $196.57M

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1017

Indirect Auto Concentration (%)

balance_sheet

Value: 45.70%

Peer Median: 6.61%

#1017 of 1070 Bottom 5.0% in 100M-500M tier

1010

Total Deposits

balance_sheet

Value: $92.76M

Peer Median: $171.29M

#1010 of 1070 Bottom 5.7% in 100M-500M tier

964

Total Loans

balance_sheet

Value: $58.22M

Peer Median: $121.41M

#964 of 1070 Bottom 10.0% in 100M-500M tier

963

Fee Income Per Member

profitability

Value: $80.62

Peer Median: $154.95

#963 of 1070 Bottom 10.1% in 100M-500M tier

876

Total Members

engagement

Value: 8,031

Peer Median: 13,200

#876 of 1070 Bottom 18.2% in 100M-500M tier