BlastPoint's Credit Union Scorecard

CPORT

Charter #63828 · ME

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

CPORT has 9 strengths but faces 9 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 6.6% in tier
+ Organic Growth Engine: Top 12.6% in tier
+ Net Interest Margin 0.04% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Members: Top 3.1% in tier
+ Total Deposits: Top 7.1% in tier
+ Total Loans: Top 7.5% in tier
+ Total Assets: Top 8.2% in tier
+ Member Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 5.5% in tier
- Credit Quality Pressure: Bottom 11.0% in tier
- Flatlined Growth: Bottom 15.5% in tier
- Efficiency Drag: Bottom 18.9% in tier
- Deposit Outflow: Bottom 63.8% in tier
- ROA 0.30% below tier average
- Efficiency ratio 9.88% above tier (higher cost structure)
- Delinquency rate 0.24% above tier average
- AMR Growth Rate: Bottom 4.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	36,516 +4.8% YoY+0.9% QoQ	+20.9K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	Top 3.2% in tier
Assets	$415.2M -0.6% YoY-0.4% QoQ	+$183.9M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	Top 8.3% in tier
Loans	$289.3M -0.1% YoY+1.8% QoQ	+$141.5M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	Top 7.6% in tier
Deposits	$368.5M -1.1% YoY-0.6% QoQ	+$168.2M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	Top 7.2% 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	0.5% -33.6% YoY-7.7% QoQ	-0.3%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	31%
NIM	3.6% +5.3% YoY+2.1% QoQ	+0.0%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	53%
Efficiency Ratio	87.2% +2.8% YoY-0.6% QoQ	+9.9%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	83%
Delinquency Rate	1.1% +35.6% YoY-8.8% QoQ	+0.2	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	75%
Loan To Share	78.5% +1.0% YoY+2.5% QoQ	+5.8%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	59%
AMR	$18,014 -5.2% YoY-0.5% QoQ	$-6K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	23%
CD Concentration	17.1% -10.5% YoY-0.4% QoQ	-7.3%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#88 of 430 • Top 6.6% in tier

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

Why This Signature

Member Growth (YoY): 4.81%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#231 of 603 • Top 12.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.81%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.49%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

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

Concerns (5)

Shrinking Wallet Share

decline

#56 of 244 • Bottom 5.5% in tier

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

Why This Signature

AMR Growth (YoY): -5.23%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#274 of 736 • Bottom 11.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.29% 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

Flatlined Growth

risk

#17 of 58 • Bottom 15.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.62%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.49%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Efficiency Drag

risk

#335 of 521 • Bottom 18.9% in tier

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

Why This Signature

Efficiency Ratio: 87.16%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.25% points

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

worse than tier avg

Member Growth (YoY): 4.81%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline

#52 of 81 • Bottom 63.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.10%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 4.81%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 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 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Members

engagement

Value: 36,516

Peer Avg: -

#34 of 1077 Top 3.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $368.48M

Peer Avg: -

#78 of 1077 Top 7.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $289.33M

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $415.15M

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

108

Member Growth Rate

growth

Value: 4.81%

Peer Avg: -

#108 of 1077 Top 9.9% in 100M-500M tier

176

Fee Income Per Member

profitability

Value: $238.00

Peer Avg: -

#176 of 1077 Top 16.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1033

AMR Growth Rate

growth

Value: -5.23%

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

943

Deposit Growth Rate

growth

Value: -1.10%

Peer Avg: -

#943 of 1077 Bottom 12.5% in 100M-500M tier

908

Asset Growth Rate

growth

Value: -0.62%

Peer Avg: -

#908 of 1077 Bottom 15.8% in 100M-500M tier

899

Efficiency Ratio

profitability

Value: 87.16%

Peer Avg: -

#899 of 1077 Bottom 16.6% in 100M-500M tier

831

First Mortgage Concentration (%)

balance_sheet

Value: 43.03%

Peer Avg: -

#831 of 1077 Bottom 22.9% in 100M-500M tier

829

Average Member Relationship (AMR)

engagement

Value: $18,014

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier