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 56.0% in tier
- + ROA 0.17% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.7% in tier
- - Stagnation Risk: Bottom 9.2% in tier
- - Membership Headwinds: Bottom 15.2% in tier
- - Institutional Decline: Bottom 19.8% in tier
- - Margin Compression: Bottom 31.0% in tier
- - Member decline: -2.7% YoY
- - Total Loans: Bottom 4.8% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,747
-2.7% YoY-0.9% QoQ
|
-7.9K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.2% in tier |
| Assets |
$130.0M
+9.0% YoY+1.4% QoQ
|
$-101.3M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$47.6M
-5.8% YoY-2.2% QoQ
|
$-100.2M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.7% in tier |
| Deposits |
$114.8M
+8.9% YoY+1.2% QoQ
|
$-85.5M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
1.0%
-11.7% YoY+26.2% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.3%
+1.3% YoY+3.4% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
74.5%
+4.6% YoY-4.6% QoQ
|
-2.8% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.5%
-20.0% YoY+4.6% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
41.5%
-13.5% YoY-3.4% QoQ
|
-31.2% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$20,966
+7.1% YoY+1.1% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
19.0%
+6.5% YoY+1.6% QoQ
|
-5.4% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.7%
-9.2% YoY-4.1% QoQ
|
+5.7% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
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)