BlastPoint's Credit Union Scorecard
ATLANTIC REGIONAL
Charter #4281 · ME
ATLANTIC REGIONAL has 3 strengths but faces 6 concerns
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How does ME stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 8.6% in tier
- + Share Certificate Concentration (%): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 12.20% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Total Members: Bottom 5.3% in tier
- - Total Loans: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,054
+0.0% YoY+0.1% QoQ
|
-49.6K |
98,678
-1.9% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
Bottom 4.9% in tier |
| Assets |
$1.1B
+1.7% YoY+0.4% QoQ
|
$-625.3M |
$1.7B
+0.5% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.5% in tier |
| Loans |
$744.3M
-0.9% YoY+0.5% QoQ
|
$-488.8M |
$1.2B
+0.5% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.9% in tier |
| Deposits |
$954.7M
+1.3% YoY+0.1% QoQ
|
$-499.6M |
$1.5B
+1.3% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.1% in tier |
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| ROA |
0.4%
+88.1% YoY+5.3% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
2.8%
+14.3% YoY+3.0% QoQ
|
-0.5% |
3.3%
+9.3% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
86.2%
-4.3% YoY-0.2% QoQ
|
+12.2% |
74.0%
-10.9% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
Top 6.2% in tier |
| Delinquency Rate |
0.5%
-35.0% YoY+2.7% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
78.0%
-2.2% YoY+0.5% QoQ
|
-7.2% |
85.2%
-0.8% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$34,635
+0.3% YoY+0.1% QoQ
|
+$5K |
$29,172
+2.8% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
16.5%
-22.9% YoY-7.9% QoQ
|
-12.5% |
29.0%
+0.7% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
Bottom 8.2% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)