BlastPoint's Credit Union Scorecard

CPORT

Charter #63828 · ME

100M-500M

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

CPORT has 8 strengths but faces 7 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 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Strong member growth: 5.2% YoY
+ Total Members: Top 2.1% in tier
+ Total Deposits: Top 4.5% in tier
+ Total Assets: Top 5.6% in tier
+ Total Loans: Top 5.8% in tier
+ Member Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.47% below tier average
- Efficiency ratio 16.24% above tier (higher cost structure)
- Delinquency rate 0.13% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	37,387 +5.2% YoY+1.3% QoQ	+22.2K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	Top 2.1% in tier
Assets	$439.2M +2.6% YoY+3.2% QoQ	+$207.5M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Top 5.7% in tier
Loans	$296.9M +6.1% YoY+1.1% QoQ	+$152.7M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Top 5.9% in tier
Deposits	$391.5M +2.2% YoY+3.4% QoQ	+$190.4M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Top 4.6% 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	0.3% -49.0% YoY-50.2% QoQ	-0.5%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	20%
NIM	3.4% -2.1% YoY-6.3% QoQ	-0.3%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	94.3% +5.8% YoY+8.4% QoQ	+16.2%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	Bottom 6.8% in tier
Delinquency Rate	0.9% +69.4% YoY-36.8% QoQ	+0.1	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	71%
Loan To Share	75.8% +3.8% YoY-2.3% QoQ	+5.4%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	57%
AMR	$18,412 -1.3% YoY+1.1% QoQ	$-7K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	23%
CD Concentration	16.7% -4.4% YoY-3.7% QoQ	-7.5%	24.3%	25.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#77 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.21%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#163 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.21%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.26%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#182 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): 0.37% 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 | New qualifier

Credit Risk Growth

risk

#120 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): 6.09%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.37% 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

Efficiency Drag

risk

#225 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.26%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.25% points

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

worse than tier avg

Member Growth (YoY): 5.21%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#189 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): -1.29%

(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 | Rank worsening

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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Members

engagement

Value: 37,387

Peer Median: 13,200

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

Total Deposits

balance_sheet

Value: $391.50M

Peer Median: $171.29M

#49 of 1070 Top 4.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $439.23M

Peer Median: $196.57M

#61 of 1070 Top 5.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $296.89M

Peer Median: $121.41M

#63 of 1070 Top 5.8% in 100M-500M tier

107

Member Growth Rate

growth

Value: 5.21%

Peer Median: -0.06%

#107 of 1070 Top 9.9% in 100M-500M tier

244

Fee Income Per Member

profitability

Value: $206.43

Peer Median: $154.95

#244 of 1070 Top 22.7% in 100M-500M tier

Top Weaknesses (5 metrics)

998

Efficiency Ratio

profitability

Value: 94.26%

Peer Median: 78.68%

#998 of 1070 Bottom 6.8% in 100M-500M tier

914

AMR Growth Rate

growth

Value: -1.29%

Peer Median: 3.46%

#914 of 1070 Bottom 14.7% in 100M-500M tier

857

Return on Assets (ROA)

profitability

Value: 0.26%

Peer Median: 0.69%

#857 of 1070 Bottom 20.0% in 100M-500M tier

828

Average Member Relationship (AMR)

engagement

Value: $18,412

Peer Median: $22,931

#828 of 1070 Bottom 22.7% in 100M-500M tier

815

First Mortgage Concentration (%)

balance_sheet

Value: 42.31%

Peer Median: 29.47%

#815 of 1070 Bottom 23.9% in 100M-500M tier