BlastPoint's Credit Union Scorecard
MAINE FAMILY
Charter #2644 · ME
MAINE FAMILY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 14.5% in tier
- + Organic Growth Engine: Top 21.2% in tier
- + Wallet Share Momentum: Top 55.2% in tier
- + Credit Quality Leader: Top 62.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.8% in tier
- - Credit Quality Pressure: Bottom 22.5% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 0.43% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 7.4% in tier
- - Net Worth Ratio: Bottom 9.3% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,762
+2.8% YoY+0.9% QoQ
|
+3.1K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$278.2M
+10.0% YoY+2.1% QoQ
|
+$46.9M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$122.2M
+9.9% YoY+6.1% QoQ
|
$-25.6M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$253.0M
+10.3% YoY+2.0% QoQ
|
+$52.7M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
0.7%
+49.7% YoY+0.7% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
2.6%
+14.3% YoY+2.6% QoQ
|
-1.0% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
77.7%
-6.7% YoY-0.1% QoQ
|
+0.4% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.3%
+30.2% YoY+125.2% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
48.3%
-0.4% YoY+4.0% QoQ
|
-24.4% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.3% in tier |
| AMR |
$19,994
+7.2% YoY+2.4% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
18.1%
+16.5% YoY+0.4% QoQ
|
-6.3% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.8%
+114.2% YoY+32.7% QoQ
|
-2.2% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)