BlastPoint's Credit Union Scorecard

SEABOARD

Charter #4118 · ME

1077 CUs in 100M-500M nationally 33 in ME

SEABOARD has 3 strengths but faces 8 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

+ Organic Growth Leader: Top 18.9% in tier
+ Organic Growth Engine: Top 27.5% in tier
+ Emerging Performer: Top 94.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.0% in tier
- Efficiency Drag: Bottom 19.7% in tier
- Credit Risk Growth: Bottom 22.7% in tier
- Indirect Auto Dependency: Bottom 26.3% in tier
- ROA 0.28% below tier average
- Efficiency ratio 4.98% above tier (higher cost structure)
- Delinquency rate 0.61% above tier average
- Net Worth Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	13,283 +2.1% YoY+0.7% QoQ	-2.3K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	49%
Assets	$235.6M +5.6% YoY+1.5% QoQ	+$4.3M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	60%
Loans	$143.1M +0.6% YoY+1.0% QoQ	$-4.7M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	58%
Deposits	$210.8M +5.3% YoY+1.3% QoQ	+$10.5M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	62%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +49.0% YoY-4.1% QoQ	-0.3%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	33%
NIM	3.1% +9.3% YoY+1.1% QoQ	-0.5%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	24%
Efficiency Ratio	82.3% -3.0% YoY+0.6% QoQ	+5.0%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	68%
Delinquency Rate	1.5% +27.4% YoY+37.5% QoQ	+0.6	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	85%
Loan To Share	67.9% -4.4% YoY-0.3% QoQ	-4.8%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	36%
AMR	$26,640 +1.3% YoY+0.5% QoQ	+$2K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	72%
CD Concentration	25.6% +6.9% YoY+2.0% QoQ	+1.2%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.4% -10.7% YoY-0.4% QoQ	+3.4%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#250 of 430 • Top 18.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.05%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.42%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#504 of 603 • Top 27.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.05%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.51%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 17.42%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Emerging Performer

growth

#180 of 191 • Top 94.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.51%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 2.05%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#248 of 736 • Bottom 10.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk

#348 of 521 • Bottom 19.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.26%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.17% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 2.05%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Risk Growth

risk

#341 of 446 • Bottom 22.7% in tier

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

Why This Signature

Loan Growth (YoY): 0.64%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#424 of 525 • Bottom 26.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.62%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 17.42%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.05%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

971

Net Worth Ratio

risk

Value: 8.74%

Peer Avg: -

#971 of 1077 Bottom 9.9% in 100M-500M tier

914

Total Delinquency Rate (60+ days)

risk

Value: 1.47%

Peer Avg: -

#914 of 1077 Bottom 15.2% in 100M-500M tier

834

First Mortgage Concentration (%)

balance_sheet

Value: 43.34%

Peer Avg: -

#834 of 1077 Bottom 22.7% in 100M-500M tier

813

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Avg: -

#813 of 1077 Bottom 24.6% in 100M-500M tier