BlastPoint's Credit Union Scorecard
OXFORD
Charter #2645 · ME
OXFORD demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 1.07% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,296
+3.3% YoY+0.9% QoQ
|
+5.2K |
15,145
-2.5% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$370.2M
+5.6% YoY+2.7% QoQ
|
+$138.5M |
$231.7M
+0.8% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
Top 14.8% in tier |
| Loans |
$223.0M
+2.5% YoY-1.5% QoQ
|
+$78.8M |
$144.1M
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$309.5M
+4.8% YoY+2.8% QoQ
|
+$108.4M |
$201.1M
+0.4% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
83% |
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| ROA |
1.8%
+20.8% YoY+26.9% QoQ
|
+1.1% |
0.7%
+5.1% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
Top 6.2% in tier |
| NIM |
3.4%
-2.4% YoY-2.8% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
66.2%
+2.2% YoY+2.6% QoQ
|
-11.8% |
78.0%
-1.7% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.4%
-25.8% YoY+11.0% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
72.0%
-2.2% YoY-4.2% QoQ
|
+1.6% |
70.4%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$26,236
+0.5% YoY+0.1% QoQ
|
+$1K |
$24,918
+2.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
25.6%
+3.6% YoY-1.2% QoQ
|
+1.3% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % |
4.5%
+104.7% YoY-9.8% QoQ
|
-9.3% | 13.8% | 16.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (0)
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)