BlastPoint's Credit Union Scorecard
ATLANTIC REGIONAL
Charter #4281 · ME
ATLANTIC REGIONAL has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does ME stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 56.1% in tier
- + Organic Growth Engine: Top 56.1% in tier
- + Share Certificate Concentration (%): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.5% in tier
- - Shrinking Wallet Share: Bottom 79.5% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 14.09% above tier (higher cost structure)
- - Total Members: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 7.2% in tier
- - Total Assets: Bottom 8.2% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,072
+1.6% YoY+0.1% QoQ
|
-47.0K |
96,048
-2.7% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
Bottom 5.2% in tier |
| Assets |
$1.1B
-1.2% YoY+2.1% QoQ
|
$-636.5M |
$1.7B
+0.4% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.8% in tier |
| Loans |
$742.0M
+1.3% YoY-0.2% QoQ
|
$-471.7M |
$1.2B
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.8% in tier |
| Deposits |
$972.6M
+0.9% YoY+2.4% QoQ
|
$-493.0M |
$1.5B
+0.5% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.7% in tier |
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| ROA |
0.3%
+107.1% YoY-25.9% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.0%
+15.6% YoY+5.3% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
88.7%
-3.4% YoY+3.1% QoQ
|
+14.1% |
74.6%
-3.0% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
0.3%
-4.0% YoY-56.7% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
Top 14.4% in tier |
| Loan To Share |
76.3%
+0.4% YoY-2.5% QoQ
|
-6.9% |
83.2%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$34,940
-0.6% YoY+1.1% QoQ
|
+$5K |
$29,652
+2.3% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
82% |
| CD Concentration |
15.9%
-14.2% YoY-2.3% QoQ
|
-13.0% | 28.8% | 25.4% | 19.8% | Bottom 6.5% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 16.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)