BlastPoint's Credit Union Scorecard
MAINE STATE
Charter #63377 · ME
MAINE STATE has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does ME stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 21.8% in tier
- + Wallet Share Momentum: Top 21.8% in tier
- + Loan Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 23.7% in tier
- - Efficiency Drag: Bottom 24.3% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 9.83% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Maine.
- Shares and deposits +4.3% year over year ($696M in shares and deposits).
- Membership: 37,842 members, +2.3% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.27%.
- Efficiency ratio 84.37% vs a 74.54% peer average.
- Loan-to-share ratio 87.61% vs a 82.60% 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 |
37,842
+2.3% YoY+0.8% QoQ
|
-14.6K |
52,482
+1.3% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$805.9M
+7.1% YoY+2.3% QoQ
|
$-58.0M |
$863.9M
+0.5% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$610.2M
+16.4% YoY+3.2% QoQ
|
+$2.4M |
$607.8M
+2.1% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$696.5M
+4.3% YoY-0.3% QoQ
|
$-43.5M |
$739.9M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.3%
-25.8% YoY+29.3% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
3.2%
+4.8% YoY+0.2% QoQ
|
-0.3% |
3.5%
+6.2% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
84.4%
+9.1% YoY-0.1% QoQ
|
+9.8% |
74.5%
-1.4% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate |
0.8%
-37.2% YoY-3.9% QoQ
|
+0.0 |
0.8%
+1.0% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
87.6%
+11.6% YoY+3.5% QoQ
|
+5.0% |
82.6%
+1.9% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$34,529
+7.1% YoY+0.5% QoQ
|
+$6K |
$28,702
+0.4% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
36.3%
+0.6% YoY-1.7% QoQ
|
+11.8% | 24.6% | 25.5% | 20.0% | Top 12.8% in tier |
| Indirect Auto % |
23.8%
-5.9% YoY-3.1% QoQ
|
+10.2% | 13.6% | 16.8% | 7.7% | 77% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)