BlastPoint's Credit Union Scorecard

COMMUNITY

Charter #63447 · ME

1077 CUs in 100M-500M nationally 33 in ME

COMMUNITY has 9 strengths but faces 10 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

+ Organic Growth Leader: Top 3.7% in tier
+ Organic Growth Engine: Top 5.2% in tier
+ Emerging Performer: Top 20.0% in tier
+ Profitability Leader: Top 90.6% in tier
+ ROA 0.37% above tier average
+ Net Interest Margin 1.75% above tier average
+ Strong member growth: 6.6% YoY
+ Member Growth Rate: Top 5.8% in tier
+ Loan-to-Share Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.6% in tier
- Credit Risk Growth: Bottom 8.2% in tier
- Liquidity Strain: Bottom 17.4% in tier
- Shrinking Wallet Share: Bottom 18.8% in tier
- Indirect Auto Dependency: Bottom 29.8% in tier
- Delinquency rate 0.90% above tier average
- Average Member Relationship (AMR): Bottom 7.4% in tier
- Total Assets: Bottom 8.3% in tier
- Total Delinquency Rate (60+ days): Bottom 9.7% in tier
- Total Deposits: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	13,486 +6.6% YoY+2.0% QoQ	-2.1K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	50%
Assets	$112.1M +4.8% YoY+0.3% QoQ	$-119.2M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	Bottom 8.2% in tier
Loans	$93.1M +5.9% YoY+0.5% QoQ	$-54.7M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	31%
Deposits	$98.9M +4.3% YoY+0.1% QoQ	$-101.4M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	Bottom 9.7% 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	1.2% +13.1% YoY+16.6% QoQ	+0.4%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	76%
NIM	5.3% +9.2% YoY+3.3% QoQ	+1.7%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	Top 1.6% in tier
Efficiency Ratio	69.2% -2.5% YoY-4.7% QoQ	-8.1%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	1.8% +29.5% YoY+38.6% QoQ	+0.9	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	Top 9.7% in tier
Loan To Share	94.1% +1.6% YoY+0.4% QoQ	+21.4%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Top 8.9% in tier
AMR	$14,238 -1.4% YoY-1.6% QoQ	$-10K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	Bottom 7.3% in tier
CD Concentration	26.9% +0.4% YoY+4.1% QoQ	+2.5%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	18.5% +4.1% YoY+1.4% QoQ	+4.6%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#50 of 430 • Top 3.7% in tier

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

Why This Signature

Member Growth (YoY): 6.60%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 18.54%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#96 of 603 • Top 5.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.60%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 18.54%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

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

Emerging Performer

growth

#39 of 191 • Top 20.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 6.60%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Profitability Leader

growth

#308 of 340 • Top 90.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.13% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#189 of 736 • Bottom 7.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.40% points

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

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#124 of 446 • Bottom 8.2% in tier

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

Why This Signature

Loan Growth (YoY): 5.94%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

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

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Liquidity Strain

risk

#136 of 258 • Bottom 17.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.08%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.94%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#188 of 244 • Bottom 18.8% in tier

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

Why This Signature

AMR Growth (YoY): -1.42%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#479 of 525 • Bottom 29.8% in tier

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

Why This Signature

Asset Growth (YoY): 4.76%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 18.54%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 6.60%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.33%

Peer Avg: -

#17 of 1077 Top 1.5% in 100M-500M tier

Member Growth Rate

growth

Value: 6.60%

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.08%

Peer Avg: -

#96 of 1077 Top 8.8% in 100M-500M tier

260

Efficiency Ratio

profitability

Value: 69.17%

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

261

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Avg: -

#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (7 metrics)

998

Average Member Relationship (AMR)

engagement

Value: $14,238

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

989

Total Assets

balance_sheet

Value: $112.09M

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

973

Total Delinquency Rate (60+ days)

risk

Value: 1.76%

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

972

Total Deposits

balance_sheet

Value: $98.93M

Peer Avg: -

#972 of 1077 Bottom 9.8% in 100M-500M tier

961

Net Charge-Off Rate

risk

Value: 0.94%

Peer Avg: -

#961 of 1077 Bottom 10.9% in 100M-500M tier

926

AMR Growth Rate

growth

Value: -1.42%

Peer Avg: -

#926 of 1077 Bottom 14.1% in 100M-500M tier

845

Loan-to-Member Ratio (LMR)

engagement

Value: $6,902

Peer Avg: -

#845 of 1077 Bottom 21.6% in 100M-500M tier