BlastPoint's Credit Union Scorecard

UNIVERSITY

Charter #63133 · ME

Community 500M-750M

169 CUs in 500M-750M nationally 3 in ME

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UNIVERSITY has 4 strengths but faces 7 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

+ Organic Growth Leader: Top 24.8% in tier
+ Organic Growth Engine: Top 28.2% in tier
+ Loan-to-Share Ratio: Top 4.1% in tier
+ Share Certificate Concentration (%): Top 4.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.1% in tier
- Efficiency Drag: Bottom 13.2% in tier
- Credit Quality Pressure: Bottom 16.6% in tier
- ROA 0.15% below tier average
- Efficiency ratio 8.40% above tier (higher cost structure)
- Total Deposits: Bottom 0.6% in tier
- First Mortgage Concentration (%): Bottom 4.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	31,600 +1.3% YoY+1.1% QoQ	-8.2K	39,752 -2.7% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	22%
Assets	$517.6M +3.9% YoY+1.2% QoQ	$-104.8M	$622.4M +0.3% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	Bottom 9.5% in tier
Loans	$405.1M +0.1% YoY+1.8% QoQ	$-30.8M	$435.9M -0.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	38%
Deposits	$397.6M +3.2% YoY-0.4% QoQ	$-140.5M	$538.0M +1.3% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	Bottom 0.0% 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% +121.9% YoY+1.8% QoQ	-0.2%	0.7% +33.9% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	41%
NIM	3.3% +7.1% YoY+1.8% QoQ	-0.1%	3.4% +8.6% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	86.5% -6.7% YoY+0.0% QoQ	+8.4%	78.1% -3.4% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	83%
Delinquency Rate	0.5% +46.2% YoY+61.1% QoQ	-0.3	0.8% -4.9% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	36%
Loan To Share	101.9% -3.0% YoY+2.2% QoQ	+20.9%	81.0% -1.8% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Top 4.7% in tier
AMR	$25,402 +0.3% YoY-0.5% QoQ	$-1K	$26,482 +2.6% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	52%
CD Concentration	14.4% -2.9% YoY+1.7% QoQ	-10.0%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	17%
Indirect Auto %	0.7% -36.3% YoY-13.6% QoQ	-13.3%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	35%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#328 of 430 • Top 24.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.31%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.72%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#517 of 603 • Top 28.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.31%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.51%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.72%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk

#95 of 258 • Bottom 12.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.91%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.14%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk

#234 of 521 • Bottom 13.2% in tier

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

Why This Signature

Efficiency Ratio: 86.50%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 1.31%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#411 of 736 • Bottom 16.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 101.91%

Peer Avg: -

#8 of 169 Top 4.1% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.41%

Peer Avg: -

#8 of 169 Top 4.1% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.09%

Peer Avg: -

#19 of 169 Top 10.7% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.72%

Peer Avg: -

#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (5 metrics)

169

Total Deposits

balance_sheet

Value: $397.57M

Peer Avg: -

#169 of 169 Bottom 0.6% in 500M-750M tier

162

First Mortgage Concentration (%)

balance_sheet

Value: 59.81%

Peer Avg: -

#162 of 169 Bottom 4.7% in 500M-750M tier

153

Total Assets

balance_sheet

Value: $517.56M

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

141

Efficiency Ratio

profitability

Value: 86.50%

Peer Avg: -

#141 of 169 Bottom 17.2% in 500M-750M tier

132

Total Members

engagement

Value: 31,600

Peer Avg: -

#132 of 169 Bottom 22.5% in 500M-750M tier