BlastPoint's Credit Union Scorecard

MAINE STATE

Charter #63377 · ME

Community 750M-1B

117 CUs in 750M-1B nationally 2 in ME

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MAINE STATE has 2 strengths but faces 6 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

+ Relationship Depth Leader: Top 11.9% in tier
+ Wallet Share Momentum: Top 11.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 10.0% in tier
- Credit Risk Growth: Bottom 15.9% in tier
- Credit Quality Pressure: Bottom 46.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 5.27% above tier (higher cost structure)
- Delinquency rate 0.26% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	37,275 +1.2% YoY+0.0% QoQ	-14.8K	52,084 -1.6% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	21%
Assets	$779.2M +11.1% YoY+3.4% QoQ	$-84.7M	$863.9M +0.5% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	Bottom 13.7% in tier
Loans	$570.9M +10.1% YoY+3.4% QoQ	$-34.9M	$605.8M +1.4% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	33%
Deposits	$691.0M +11.7% YoY+3.7% QoQ	$-46.3M	$737.3M +0.1% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	26%

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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	0.3% +92.4% YoY-24.3% QoQ	-0.5%	0.7% +39.1% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	17%
NIM	3.1% +5.8% YoY-0.0% QoQ	-0.3%	3.4% +8.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	30%
Efficiency Ratio	79.6% -4.2% YoY+3.1% QoQ	+5.3%	74.3% -3.6% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	63%
Delinquency Rate	1.1% +3.7% YoY-10.0% QoQ	+0.3	0.9% +3.8% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	74%
Loan To Share	82.6% -1.4% YoY-0.3% QoQ	+0.1%	82.6% +1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	40%
AMR	$33,854 +9.6% YoY+3.6% QoQ	+$5K	$28,873 +2.7% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	76%
CD Concentration	37.7% +11.4% YoY-0.1% QoQ	+13.3%	24.4%	25.1%	19.8%	Top 10.0% in tier
Indirect Auto %	25.1% -16.6% YoY-0.5% QoQ	+11.3%	13.8%	15.9%	7.8%	78%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#43 of 268 • Top 11.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.64%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#159 of 513 • Top 11.9% in tier

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

Why This Signature

AMR Growth (YoY): 9.64%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk

#126 of 506 • Bottom 10.0% in tier

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

Why This Signature

Asset Growth (YoY): 11.05%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 25.14%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.21%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Risk Growth

risk

#270 of 456 • Bottom 15.9% in tier

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

Why This Signature

Loan Growth (YoY): 10.13%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#616 of 705 • Bottom 46.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | 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 117 peers in tier

Top Strengths (6 metrics)

Deposit Growth Rate

growth

Value: 11.66%

Peer Median: -

#16 of 117 Top 12.8% in 750M-1B tier

AMR Growth Rate

growth

Value: 9.64%

Peer Median: -

#16 of 117 Top 12.8% in 750M-1B tier

Asset Growth Rate

growth

Value: 11.05%

Peer Median: -

#18 of 117 Top 14.5% in 750M-1B tier

Loan Growth Rate

growth

Value: 10.13%

Peer Median: -

#25 of 117 Top 20.5% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,317

Peer Median: -

#26 of 117 Top 21.4% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $33,854

Peer Median: -

#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (5 metrics)

103

Share Certificate Concentration (%)

balance_sheet

Value: 37.72%

Peer Median: -

#103 of 117 Bottom 12.8% in 750M-1B tier

103

Members Per Employee (MPE)

engagement

Value: 253.571

Peer Median: -

#103 of 117 Bottom 12.8% in 750M-1B tier

101

Total Assets

balance_sheet

Value: $779.17M

Peer Median: -

#101 of 117 Bottom 14.5% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: -

#97 of 117 Bottom 17.9% in 750M-1B tier

Total Members

engagement

Value: 37,275

Peer Median: -

#92 of 117 Bottom 22.2% in 750M-1B tier