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 5 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 17.4% in tier
+ Wallet Share Momentum: Top 17.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 22.0% in tier
- Efficiency Drag: Bottom 28.9% in tier
- ROA 0.56% below tier average
- Efficiency ratio 8.94% above tier (higher cost structure)
- Delinquency rate 0.15% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	37,537 +2.0% YoY+0.7% QoQ	-14.0K	51,500 +0.7% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	20%
Assets	$787.8M +7.6% YoY+1.1% QoQ	$-77.8M	$865.6M +0.9% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	18%
Loans	$591.2M +12.5% YoY+3.5% QoQ	$-4.1M	$595.3M +1.6% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	44%
Deposits	$698.7M +7.5% YoY+1.1% QoQ	$-43.5M	$742.2M +0.6% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	30%

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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	0.2% -39.7% YoY-29.8% QoQ	-0.6%	0.8% +45.0% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	Bottom 13.7% in tier
NIM	3.2% +2.2% YoY+3.8% QoQ	-0.2%	3.5% +6.1% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	84.5% +8.6% YoY+6.1% QoQ	+8.9%	75.5% -3.4% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.8% -18.5% YoY-27.5% QoQ	+0.1	0.7% -0.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	71%
Loan To Share	84.6% +4.7% YoY+2.4% QoQ	+4.0%	80.6% +0.7% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	50%
AMR	$34,362 +7.6% YoY+1.5% QoQ	+$5K	$28,908 +0.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	80%
CD Concentration	36.9% +6.5% YoY-2.1% QoQ	+12.7%	24.3%	25.4%	19.8%	Top 10.4% in tier
Indirect Auto %	24.6% -13.9% YoY-2.1% QoQ	+10.8%	13.8%	16.4%	7.7%	78%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#63 of 257 • Top 17.4% 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): 7.58%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#232 of 491 • Top 17.4% in tier

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

Why This Signature

AMR Growth (YoY): 7.58%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk

#208 of 504 • Bottom 22.0% in tier

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

Why This Signature

Asset Growth (YoY): 7.60%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 24.60%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.99%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#268 of 596 • Bottom 28.9% in tier

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

Why This Signature

Efficiency Ratio: 84.47%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.14% points

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

worse than tier avg

Member Growth (YoY): 1.99%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 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)

Loan Growth Rate

growth

Value: 12.52%

Peer Median: 4.33%

#14 of 117 Top 11.1% in 750M-1B tier

AMR Growth Rate

growth

Value: 7.58%

Peer Median: 3.70%

#21 of 117 Top 17.1% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,749

Peer Median: $11,598

#21 of 117 Top 17.1% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $34,362

Peer Median: $26,209

#24 of 117 Top 19.7% in 750M-1B tier

Asset Growth Rate

growth

Value: 7.60%

Peer Median: 4.88%

#30 of 117 Top 24.8% in 750M-1B tier

Deposit Growth Rate

growth

Value: 7.46%

Peer Median: 4.60%

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (7 metrics)

104

Share Certificate Concentration (%)

balance_sheet

Value: 36.94%

Peer Median: 26.77%

#104 of 117 Bottom 12.0% in 750M-1B tier

101

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Median: 0.63%

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

Total Assets

balance_sheet

Value: $787.81M

Peer Median: $858.87M

#96 of 117 Bottom 18.8% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 268.121

Peer Median: 328.468

#96 of 117 Bottom 18.8% in 750M-1B tier

Efficiency Ratio

profitability

Value: 84.47%

Peer Median: 77.38%

#95 of 117 Bottom 19.7% in 750M-1B tier

Total Members

engagement

Value: 37,537

Peer Median: 51,712

#93 of 117 Bottom 21.4% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 24.60%

Peer Median: 13.79%

#89 of 117 Bottom 24.8% in 750M-1B tier