BlastPoint's Credit Union Scorecard
NORSTATE
Charter #4261 · ME
NORSTATE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.90% below tier average
- - Efficiency ratio 21.79% above tier (higher cost structure)
- - Delinquency rate 0.90% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,140
-0.8% YoY-0.4% QoQ
|
-1.3K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$277.7M
+3.9% YoY+1.1% QoQ
|
+$45.9M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$192.6M
+3.9% YoY+0.7% QoQ
|
+$45.2M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$242.4M
+5.0% YoY+1.0% QoQ
|
+$41.6M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
-0.1%
-73.3% YoY-48.0% QoQ
|
-0.9% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.1% in tier |
| NIM |
3.4%
+7.6% YoY+1.7% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
98.8%
-3.4% YoY-4.4% QoQ
|
+21.8% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
1.8%
+4.5% YoY-12.4% QoQ
|
+0.9 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.6% in tier |
| Loan To Share |
79.4%
-1.1% YoY-0.4% QoQ
|
+7.2% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$30,763
+5.4% YoY+1.3% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
32.9%
-2.6% YoY-3.9% QoQ
|
+8.5% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
8.1%
+235.7% YoY+11.3% QoQ
|
-5.7% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)