BlastPoint's Credit Union Scorecard

COMMUNITY

Charter #63447 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

COMMUNITY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.50% above tier average
+ Strong member growth: 13.9% YoY
+ Member Growth Rate: Top 2.7% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.57% below tier average
- Efficiency ratio 0.21% above tier (higher cost structure)
- Delinquency rate 0.83% above tier average
- AMR Growth Rate: Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	14,776 +13.9% YoY+8.6% QoQ	-369	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	58%
Assets	$120.7M +6.3% YoY+3.3% QoQ	$-111.0M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Bottom 13.7% in tier
Loans	$93.6M +5.8% YoY+0.5% QoQ	$-50.6M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	33%
Deposits	$107.5M +6.6% YoY+3.6% QoQ	$-93.6M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -86.4% YoY-83.9% QoQ	-0.6%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	Bottom 14.8% in tier
NIM	5.1% +2.7% YoY-3.5% QoQ	+1.5%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	Top 2.1% in tier
Efficiency Ratio	78.2% +5.3% YoY+11.9% QoQ	+0.2%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	1.6% +36.9% YoY-15.2% QoQ	+0.8	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Bottom 9.5% in tier
Loan To Share	87.0% -0.8% YoY-3.0% QoQ	+16.6%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	83%
AMR	$13,608 -6.8% YoY-6.0% QoQ	$-11K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	Bottom 4.6% in tier
CD Concentration	30.3% +14.6% YoY+7.7% QoQ	+6.1%	24.3%	25.4%	19.8%	50%
Indirect Auto %	20.5% +11.0% YoY+12.8% QoQ	+6.7%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Shrinking Wallet Share

decline

#41 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.79%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#149 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.43% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#114 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.77%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.43% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

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

Indirect Auto Dependency

risk

#389 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.35%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 20.55%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 13.93%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.13%

Peer Median: 3.62%

#23 of 1070 Top 2.1% in 100M-500M tier

Member Growth Rate

growth

Value: 13.93%

Peer Median: -0.06%

#30 of 1070 Top 2.7% in 100M-500M tier

178

Loan-to-Share Ratio

balance_sheet

Value: 87.02%

Peer Median: 71.88%

#178 of 1070 Top 16.5% in 100M-500M tier

266

Deposit Growth Rate

growth

Value: 6.58%

Peer Median: 3.30%

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1033

AMR Growth Rate

growth

Value: -6.79%

Peer Median: 3.46%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1029

Net Charge-Off Rate

risk

Value: 1.53%

Peer Median: 0.35%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1021

Average Member Relationship (AMR)

engagement

Value: $13,608

Peer Median: $22,931

#1021 of 1070 Bottom 4.7% in 100M-500M tier

969

Total Delinquency Rate (60+ days)

risk

Value: 1.61%

Peer Median: 0.61%

#969 of 1070 Bottom 9.5% in 100M-500M tier

923

Total Assets

balance_sheet

Value: $120.74M

Peer Median: $196.57M

#923 of 1070 Bottom 13.8% in 100M-500M tier

912

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: 0.69%

#912 of 1070 Bottom 14.9% in 100M-500M tier

903

Total Deposits

balance_sheet

Value: $107.51M

Peer Median: $171.29M

#903 of 1070 Bottom 15.7% in 100M-500M tier

893

Loan-to-Member Ratio (LMR)

engagement

Value: $6,332

Peer Median: $9,356

#893 of 1070 Bottom 16.6% in 100M-500M tier