BlastPoint's Credit Union Scorecard
NORSTATE
Charter #4261 · ME
NORSTATE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 11.09% above tier (higher cost structure)
- - Delinquency rate 0.86% above tier average
- - Members Per Employee (MPE): Bottom 1.4% 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 +0.1% year over year ($245M in shares and deposits).
- Membership: 14,140 members, -0.7% vs a year ago.
- Delinquency rate 1.74%.
- Return on assets 0.50%.
- Efficiency ratio 87.83% vs a 76.73% peer average.
- Loan-to-share ratio 79.19% 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 |
14,140
-0.7% YoY+0.5% QoQ
|
-1.0K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$280.0M
+0.7% YoY-0.1% QoQ
|
+$48.0M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$193.6M
+3.1% YoY+1.8% QoQ
|
+$47.4M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$244.5M
+0.1% YoY-0.8% QoQ
|
+$43.8M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.5%
-265.7% YoY+25.4% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.7%
+13.2% YoY+1.6% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
87.8%
-16.8% YoY-1.7% QoQ
|
+11.1% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
1.7%
-17.3% YoY+19.3% QoQ
|
+0.9 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.0% in tier |
| Loan To Share |
79.2%
+3.0% YoY+2.6% QoQ
|
+7.6% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$30,987
+2.1% YoY-0.1% QoQ
|
+$6K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
34.3%
-0.9% YoY+2.1% QoQ
|
+9.8% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
9.8%
+60.1% YoY+9.1% QoQ
|
-3.9% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)