BlastPoint's Credit Union Scorecard

MAINE FAMILY

Charter #2644 · ME

100M-500M

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

MAINE FAMILY has 2 strengths but faces 5 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Loan Growth Rate: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.11% below tier average
- Efficiency ratio 1.75% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	19,179 +3.8% YoY+1.3% QoQ	+4.0K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	75%
Assets	$285.7M +6.3% YoY+1.2% QoQ	+$54.0M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	71%
Loans	$129.9M +16.0% YoY+3.3% QoQ	$-14.3M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	54%
Deposits	$260.0M +6.4% YoY+1.3% QoQ	+$58.9M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	73%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -27.5% YoY-7.7% QoQ	-0.1%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	44%
NIM	2.9% +15.4% YoY+9.9% QoQ	-0.8%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	Bottom 10.5% in tier
Efficiency Ratio	79.8% +5.5% YoY+1.7% QoQ	+1.8%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.2% +23.6% YoY+65.2% QoQ	-0.6	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Top 12.1% in tier
Loan To Share	49.9% +9.0% YoY+2.0% QoQ	-20.5%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Bottom 12.2% in tier
AMR	$20,331 +5.4% YoY+0.6% QoQ	$-5K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	34%
CD Concentration	17.6% +1.4% YoY-1.3% QoQ	-6.7%	24.3%	25.4%	19.8%	50%
Indirect Auto %	17.5% +143.8% YoY+28.0% QoQ	+3.7%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#448 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): 5.35%

(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 (3)

Credit Risk Growth

risk

#199 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 15.95%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#417 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): 6.31%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 17.52%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.81%

(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

Credit Quality Pressure

risk

#620 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 (4 metrics)

Loan Growth Rate

growth

Value: 15.95%

Peer Median: 2.93%

#63 of 1070 Top 5.8% in 100M-500M tier

130

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.61%

#130 of 1070 Top 12.1% in 100M-500M tier

166

Member Growth Rate

growth

Value: 3.81%

Peer Median: -0.06%

#166 of 1070 Top 15.4% in 100M-500M tier

177

Members Per Employee (MPE)

engagement

Value: 416.935

Peer Median: 309.176

#177 of 1070 Top 16.4% in 100M-500M tier

Top Weaknesses (4 metrics)

960

Net Worth Ratio

risk

Value: 8.71%

Peer Median: 11.45%

#960 of 1070 Bottom 10.4% in 100M-500M tier

958

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.62%

#958 of 1070 Bottom 10.6% in 100M-500M tier

939

Loan-to-Share Ratio

balance_sheet

Value: 49.95%

Peer Median: 71.88%

#939 of 1070 Bottom 12.3% in 100M-500M tier

846

Loan-to-Member Ratio (LMR)

engagement

Value: $6,773

Peer Median: $9,356

#846 of 1070 Bottom 21.0% in 100M-500M tier