BlastPoint's Credit Union Scorecard

UNIVERSITY

Charter #63133 · ME

Community 500M-750M

167 CUs in 500M-750M nationally 4 in ME

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UNIVERSITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Share Ratio: Top 3.6% in tier
+ Share Certificate Concentration (%): Top 4.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.2% in tier
- Efficiency Drag: Bottom 23.6% in tier
- Credit Quality Pressure: Bottom 34.7% in tier
- Stagnation Risk: Bottom 58.6% in tier
- Membership Headwinds: Bottom 58.6% in tier
- Credit Risk Growth: Bottom 59.2% in tier
- ROA 0.19% below tier average
- Efficiency ratio 7.84% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	31,058 -0.6% YoY-1.6% QoQ	-7.0K	38,079 -4.8% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	25%
Assets	$529.6M +2.9% YoY+0.6% QoQ	$-90.1M	$619.7M -0.2% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	16%
Loans	$404.7M +1.6% YoY-1.2% QoQ	$-14.6M	$419.3M -1.4% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	40%
Deposits	$413.0M +2.7% YoY+2.6% QoQ	$-126.5M	$539.5M -0.1% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Bottom 0.6% in tier

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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	0.5% +67.5% YoY+3.0% QoQ	-0.2%	0.7% +36.0% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	41%
NIM	3.5% +7.8% YoY+3.3% QoQ	+0.0%	3.5% +4.5% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	86.2% -5.6% YoY-0.6% QoQ	+7.8%	78.4% -3.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.3% +73.9% YoY-29.0% QoQ	-0.4	0.7% -0.9% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	19%
Loan To Share	98.0% -1.1% YoY-3.7% QoQ	+20.3%	77.7% -1.2% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Top 4.2% in tier
AMR	$26,327 +2.8% YoY+2.4% QoQ	$-600	$26,927 +3.1% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	54%
CD Concentration	14.5% +3.3% YoY-0.9% QoQ	-9.8%	24.3%	25.4%	19.8%	17%
Indirect Auto %	0.5% -43.1% YoY-13.2% QoQ	-13.3%	13.8%	16.4%	7.7%	34%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#146 of 596 • Bottom 23.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.23%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Liquidity Strain

risk

#75 of 183 • Bottom 3.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.01%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#463 of 727 • Bottom 34.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#420 of 476 • Bottom 59.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Stagnation Risk

risk

#539 of 570 • Bottom 58.6% 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): -0.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.28%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

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

Membership Headwinds

decline

#553 of 570 • Bottom 58.6% in tier

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

Why This Signature

Member Growth (YoY): -0.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 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 167 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.01%

Peer Median: 79.97%

#7 of 167 Top 3.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.51%

Peer Median: 26.29%

#8 of 167 Top 4.2% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.39%

#28 of 167 Top 16.2% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Median: 0.62%

#33 of 167 Top 19.2% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.53%

Peer Median: 10.91%

#40 of 167 Top 23.4% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $13,031

Peer Median: $11,231

#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (4 metrics)

166

Total Deposits

balance_sheet

Value: $412.95M

Peer Median: $543.36M

#166 of 167 Bottom 1.2% in 500M-750M tier

157

First Mortgage Concentration (%)

balance_sheet

Value: 58.86%

Peer Median: 32.87%

#157 of 167 Bottom 6.6% in 500M-750M tier

140

Total Assets

balance_sheet

Value: $529.58M

Peer Median: $619.16M

#140 of 167 Bottom 16.8% in 500M-750M tier

131

Efficiency Ratio

profitability

Value: 86.23%

Peer Median: 78.61%

#131 of 167 Bottom 22.2% in 500M-750M tier