BlastPoint's Credit Union Scorecard
OXFORD
Charter #2645 · ME
OXFORD has 3 strengths but faces 2 concerns
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 0.75% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +3.7% year over year ($308M in shares and deposits).
- Membership: 20,526 members, +3.6% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 1.61%.
- Efficiency ratio 65.36% vs a 76.73% peer average.
- Loan-to-share ratio 71.62% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,526
+3.6% YoY+1.1% QoQ
|
+5.4K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$370.2M
+4.8% YoY-0.0% QoQ
|
+$138.2M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
Top 14.9% in tier |
| Loans |
$220.5M
+1.1% YoY-1.1% QoQ
|
+$74.2M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$307.8M
+3.7% YoY-0.6% QoQ
|
+$107.1M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.6%
+12.4% YoY-10.2% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
Top 10.0% in tier |
| NIM |
3.5%
-0.9% YoY+1.8% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
65.4%
+3.0% YoY-1.3% QoQ
|
-11.4% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.5%
-27.8% YoY+34.8% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
71.6%
-2.5% YoY-0.6% QoQ
|
+0.1% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$25,737
-0.9% YoY-1.9% QoQ
|
+$631 |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
25.9%
+2.8% YoY+1.4% QoQ
|
+1.4% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
4.4%
+54.7% YoY-2.1% QoQ
|
-9.2% | 13.6% | 16.8% | 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 (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)