BlastPoint's Credit Union Scorecard
CONNECTED
Charter #62976 · ME
CONNECTED has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.12% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Member decline: -2.9% YoY
- - Total Loans: Bottom 4.9% in tier
- - Loan-to-Share Ratio: Bottom 4.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,651
-2.9% YoY-1.2% QoQ
|
-7.8K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
Bottom 14.3% in tier |
| Assets |
$129.5M
+6.3% YoY-0.4% QoQ
|
$-102.4M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$47.8M
-4.2% YoY+0.4% QoQ
|
$-99.5M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.8% in tier |
| Deposits |
$114.2M
+7.2% YoY-0.5% QoQ
|
$-86.6M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.9%
-22.4% YoY-8.0% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.3%
+0.7% YoY+0.3% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
76.0%
+6.9% YoY+2.0% QoQ
|
-1.0% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.5%
-55.2% YoY-3.6% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
41.9%
-10.7% YoY+0.9% QoQ
|
-30.3% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.8% in tier |
| AMR |
$21,171
+6.6% YoY+1.0% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
20.0%
+7.3% YoY+5.0% QoQ
|
-4.5% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
19.2%
-9.8% YoY-2.7% QoQ
|
+5.4% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)