BlastPoint's Credit Union Scorecard

NORSTATE

Charter #4261 · ME

100M-500M

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

NORSTATE 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

+ Relationship Depth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.33% below tier average
- Efficiency ratio 11.32% above tier (higher cost structure)
- Delinquency rate 0.69% above tier average
- Members Per Employee (MPE): Bottom 1.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	14,075 -1.1% YoY-0.5% QoQ	-1.1K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	54%
Assets	$280.4M +0.9% YoY+1.0% QoQ	+$48.6M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	70%
Loans	$190.2M +4.2% YoY-1.2% QoQ	+$46.0M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	73%
Deposits	$246.4M +2.0% YoY+1.6% QoQ	+$45.3M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	70%

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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	0.4% -227.7% YoY-396.7% QoQ	-0.3%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	29%
NIM	3.6% +13.5% YoY+6.5% QoQ	+0.0%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	89.3% -16.5% YoY-9.6% QoQ	+11.3%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	1.5% -3.5% YoY-18.4% QoQ	+0.7	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Bottom 11.4% in tier
Loan To Share	77.2% +2.2% YoY-2.8% QoQ	+6.8%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	60%
AMR	$31,017 +4.1% YoY+0.8% QoQ	+$6K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	84%
CD Concentration	33.6% -3.0% YoY+2.0% QoQ	+9.3%	24.3%	25.4%	19.8%	50%
Indirect Auto %	9.0% +146.0% YoY+10.6% QoQ	-4.8%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#158 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.10%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk

#257 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: 89.34%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.71% points

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

but better than tier avg

Member Growth (YoY): -1.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -84 CUs YoY | Rank worsening

Stagnation Risk

risk

#419 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.24%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.46%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#480 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 (2 metrics)

175

Average Member Relationship (AMR)

engagement

Value: $31,017

Peer Median: $22,931

#175 of 1070 Top 16.3% in 100M-500M tier

175

Loan-to-Member Ratio (LMR)

engagement

Value: $13,511

Peer Median: $9,356

#175 of 1070 Top 16.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1053

Members Per Employee (MPE)

engagement

Value: 178.165

Peer Median: 309.176

#1053 of 1070 Bottom 1.7% in 100M-500M tier

949

Total Delinquency Rate (60+ days)

risk

Value: 1.46%

Peer Median: 0.61%

#949 of 1070 Bottom 11.4% in 100M-500M tier

898

First Mortgage Concentration (%)

balance_sheet

Value: 48.42%

Peer Median: 29.47%

#898 of 1070 Bottom 16.2% in 100M-500M tier

893

Efficiency Ratio

profitability

Value: 89.34%

Peer Median: 78.68%

#893 of 1070 Bottom 16.6% in 100M-500M tier

873

Share Certificate Concentration (%)

balance_sheet

Value: 33.61%

Peer Median: 23.10%

#873 of 1070 Bottom 18.5% in 100M-500M tier

828

Asset Growth Rate

growth

Value: 0.87%

Peer Median: 3.91%

#828 of 1070 Bottom 22.7% in 100M-500M tier