BlastPoint's Credit Union Scorecard

CONNECTED

Charter #62976 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

CONNECTED has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.25% 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
- Member decline: -3.0% YoY
- Loan-to-Share Ratio: Bottom 4.4% in tier
- Total Loans: Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	7,611 -3.0% YoY-0.5% QoQ	-7.5K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	15%
Assets	$133.6M +4.3% YoY+3.1% QoQ	$-98.1M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	22%
Loans	$46.9M -3.2% YoY-2.0% QoQ	$-97.3M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Bottom 5.0% in tier
Deposits	$118.0M +5.3% YoY+3.3% QoQ	$-83.2M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	23%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +43.0% YoY+10.8% QoQ	+0.2%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	69%
NIM	3.3% +3.1% YoY-2.3% QoQ	-0.4%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	29%
Efficiency Ratio	77.3% -2.6% YoY+1.8% QoQ	-0.7%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	0.2% -59.4% YoY-51.6% QoQ	-0.5	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	16%
Loan To Share	39.7% -8.0% YoY-5.2% QoQ	-30.7%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Bottom 4.3% in tier
AMR	$21,656 +5.9% YoY+2.3% QoQ	$-3K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	42%
CD Concentration	19.6% +3.8% YoY-1.9% QoQ	-4.7%	24.3%	25.4%	19.8%	50%
Indirect Auto %	18.9% -10.2% YoY-1.5% QoQ	+5.1%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#388 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.90%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#256 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.20%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#265 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#331 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.32%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 18.91%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Institutional Decline

decline

#172 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $133.57M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.20%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

167

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.61%

#167 of 1070 Top 15.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1024

Loan-to-Share Ratio

balance_sheet

Value: 39.71%

Peer Median: 71.88%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

1016

Total Loans

balance_sheet

Value: $46.85M

Peer Median: $121.41M

#1016 of 1070 Bottom 5.1% in 100M-500M tier

908

Total Members

engagement

Value: 7,611

Peer Median: 13,200

#908 of 1070 Bottom 15.2% in 100M-500M tier

908

Loan-to-Member Ratio (LMR)

engagement

Value: $6,156

Peer Median: $9,356

#908 of 1070 Bottom 15.2% in 100M-500M tier

897

Loan Growth Rate

growth

Value: -3.20%

Peer Median: 2.93%

#897 of 1070 Bottom 16.3% in 100M-500M tier

849

Member Growth Rate

growth

Value: -3.02%

Peer Median: -0.06%

#849 of 1070 Bottom 20.7% in 100M-500M tier

834

Total Assets

balance_sheet

Value: $133.57M

Peer Median: $196.57M

#834 of 1070 Bottom 22.1% in 100M-500M tier

825

Total Deposits

balance_sheet

Value: $117.97M

Peer Median: $171.29M

#825 of 1070 Bottom 23.0% in 100M-500M tier