BlastPoint's Credit Union Scorecard
OXFORD
Charter #2645 · ME
OXFORD has 3 strengths but faces 1 concern
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 0.65% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,116
+3.2% YoY+0.6% QoQ
|
+4.7K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$360.4M
+8.6% YoY+0.9% QoQ
|
+$128.5M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$226.4M
+3.1% YoY+2.9% QoQ
|
+$79.0M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$301.1M
+8.3% YoY+0.7% QoQ
|
+$100.3M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
1.4%
-19.5% YoY-3.7% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
Top 12.8% in tier |
| NIM |
3.5%
-4.7% YoY-0.2% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
64.5%
+8.3% YoY+1.9% QoQ
|
-12.5% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
0.3%
-55.9% YoY-59.8% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
75.2%
-4.7% YoY+2.2% QoQ
|
+3.0% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$26,222
+2.7% YoY+1.0% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
25.9%
+2.6% YoY-0.3% QoQ
|
+1.5% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
5.0%
+105.0% YoY+17.5% QoQ
|
-8.8% | 13.8% | 15.9% | 7.8% | 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 (<20%). Healthy, sustainable growth model.
Concerns (1)
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)