BlastPoint's Credit Union Scorecard
COMMUNITY
Charter #63447 · ME
COMMUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.50% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 0.16% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Average Member Relationship (AMR): Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +8.2% year over year ($107M in shares and deposits).
- Membership: 13,676 members, +3.4% vs a year ago.
- Delinquency rate 1.86%.
- Return on assets 0.31%.
- Efficiency ratio 76.90% vs a 76.73% peer average.
- Loan-to-share ratio 86.63% vs a 71.54% 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 |
13,676
+3.4% YoY-7.4% QoQ
|
-1.5K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$120.2M
+7.5% YoY-0.5% QoQ
|
$-111.8M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.4% in tier |
| Loans |
$92.6M
+0.1% YoY-1.0% QoQ
|
$-53.6M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$106.9M
+8.2% YoY-0.5% QoQ
|
$-93.8M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
15% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-68.9% YoY+94.1% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
5.2%
+0.5% YoY+1.2% QoQ
|
+1.5% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
76.9%
+5.9% YoY-1.7% QoQ
|
+0.2% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
1.9%
+46.1% YoY+15.6% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.6% in tier |
| Loan To Share |
86.6%
-7.5% YoY-0.5% QoQ
|
+15.1% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$14,593
+0.8% YoY+7.2% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.6% in tier |
| CD Concentration |
29.9%
+15.6% YoY-1.3% QoQ
|
+5.4% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
21.1%
+15.5% YoY+2.8% QoQ
|
+7.5% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)