BlastPoint's Credit Union Scorecard
CONNECTED
Charter #62976 · ME
CONNECTED has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 10.09% above tier (higher cost structure)
- - Member decline: -3.2% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +4.2% year over year ($118M in shares and deposits).
- Membership: 7,567 members, -3.2% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 0.51%.
- Efficiency ratio 86.82% vs a 76.73% peer average.
- Loan-to-share ratio 41.39% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,567
-3.2% YoY-0.6% QoQ
|
-7.6K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$133.9M
+4.5% YoY+0.2% QoQ
|
$-98.1M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$48.9M
+0.4% YoY+4.4% QoQ
|
$-97.3M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.5% in tier |
| Deposits |
$118.2M
+4.2% YoY+0.2% QoQ
|
$-82.5M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.5%
-32.3% YoY-47.4% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
3.4%
+4.2% YoY+2.9% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
86.8%
+11.2% YoY+12.3% QoQ
|
+10.1% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.5%
+1.6% YoY+108.1% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
41.4%
-3.7% YoY+4.2% QoQ
|
-30.2% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.9% in tier |
| AMR |
$22,084
+6.5% YoY+2.0% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
20.1%
+7.6% YoY+2.8% QoQ
|
-4.4% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
20.1%
-2.1% YoY+6.4% QoQ
|
+6.5% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)