BlastPoint's Credit Union Scorecard

SEABOARD

Charter #4118 · ME

100M-500M

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

SEABOARD has 1 strength but faces 7 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

+ Emerging Performer: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.19% below tier average
- Efficiency ratio 3.03% above tier (higher cost structure)
- Delinquency rate 0.07% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	13,367 +2.3% YoY+0.6% QoQ	-1.8K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	51%
Assets	$242.9M +4.7% YoY+2.1% QoQ	+$11.2M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	62%
Loans	$142.8M +1.2% YoY-0.3% QoQ	$-1.4M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	59%
Deposits	$217.7M +4.6% YoY+2.2% QoQ	+$16.5M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	63%

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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	0.5% -1.6% YoY-7.2% QoQ	-0.2%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	39%
NIM	3.2% +5.1% YoY+2.5% QoQ	-0.4%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	81.0% -4.0% YoY-0.1% QoQ	+3.0%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	0.8% +14.6% YoY-49.4% QoQ	+0.1	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	68%
Loan To Share	65.6% -3.2% YoY-2.5% QoQ	-4.8%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	36%
AMR	$26,964 +0.9% YoY+0.6% QoQ	+$2K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	70%
CD Concentration	24.6% -0.3% YoY-2.4% QoQ	+0.4%	24.3%	25.4%	19.8%	50%
Indirect Auto %	17.1% -5.9% YoY-1.6% QoQ	+3.3%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#149 of 157 • Top 50.0% 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: 0.54%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#318 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 81.05%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 2.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#480 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): 0.11% 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

Indirect Auto Dependency

risk

#443 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): 4.72%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 17.08%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.31%

(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 | Rank improving

Credit Risk Growth

risk

#437 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): 1.24%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.11% 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

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 (1 metrics)

265

Member Growth Rate

growth

Value: 2.31%

Peer Median: -0.06%

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (2 metrics)

947

Net Worth Ratio

risk

Value: 8.81%

Peer Median: 11.45%

#947 of 1070 Bottom 11.6% in 100M-500M tier

843

First Mortgage Concentration (%)

balance_sheet

Value: 43.99%

Peer Median: 29.47%

#843 of 1070 Bottom 21.3% in 100M-500M tier