BlastPoint's Credit Union Scorecard
ATLANTIC REGIONAL
Charter #4281 · ME
ATLANTIC REGIONAL has 2 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
- + Share Certificate Concentration (%): Top 7.3% in tier
- + Fee Income Per Member: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.4% in tier
- - Credit Quality Pressure: Bottom 34.4% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 11.98% above tier (higher cost structure)
- - Total Members: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Total Assets: Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,017
+0.4% YoY-0.1% QoQ
|
-48.4K |
97,431
-2.4% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
Bottom 5.0% in tier |
| Assets |
$1.1B
-1.6% YoY-3.1% QoQ
|
$-662.7M |
$1.7B
+0.9% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.6% in tier |
| Loans |
$743.4M
+0.2% YoY-0.1% QoQ
|
$-491.0M |
$1.2B
+0.5% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.6% in tier |
| Deposits |
$950.2M
+0.2% YoY-0.5% QoQ
|
$-509.1M |
$1.5B
+0.9% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.3% in tier |
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| ROA |
0.5%
+75.6% YoY+4.9% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
2.9%
+17.7% YoY+4.0% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
86.0%
-3.7% YoY-0.2% QoQ
|
+12.0% |
74.1%
-9.5% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
0.7%
+15.8% YoY+46.6% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
78.2%
+0.0% YoY+0.3% QoQ
|
-6.6% |
84.8%
-0.8% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$34,552
-0.2% YoY-0.2% QoQ
|
+$5K |
$29,428
+2.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
16.2%
-18.8% YoY-1.3% QoQ
|
-12.8% | 29.0% | 25.1% | 19.8% | Bottom 7.2% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 15.9% | 7.8% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)