CPORT

Charter #63828 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

CPORT has 9 strengths but faces 9 concerns

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
  • - Deposit Outflow: Bottom 11.4% in tier
  • - Flatlined Growth: Bottom 15.5% in tier
  • - Efficiency Drag: Bottom 18.9% 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
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
 31st in tier
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
 53rd in tier
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
 Top 16.6% in tier
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
 75th in tier
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
 59th in tier
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
 Bottom 23.0% in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#88 of 430 • Top 6.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.81%
(Tier: 0.88%, National: 9.37%)
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: 13.96%, 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

Deposit Outflow

decline
#68 of 114 • Bottom 11.4% in tier

Members staying but deposits leaving. They're losing 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
Total Assets: $415.15M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Flatlined Growth

risk
#17 of 58 • Bottom 15.5% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $415.15M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
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

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
34
Total Members
engagement
Value: 36,516
Peer Avg: 15,628
#34 of 1077 Top 3.1% in 100M-500M tier
78
Total Deposits
balance_sheet
Value: $368.48M
Peer Avg: $200.29M
#78 of 1077 Top 7.1% in 100M-500M tier
82
Total Loans
balance_sheet
Value: $289.33M
Peer Avg: $147.80M
#82 of 1077 Top 7.5% in 100M-500M tier
89
Total Assets
balance_sheet
Value: $415.15M
Peer Avg: $231.30M
#89 of 1077 Top 8.2% in 100M-500M tier
108
Member Growth Rate
growth
Value: 4.81%
Peer Avg: 0.72%
#108 of 1077 Top 9.9% in 100M-500M tier
176
Fee Income Per Member
profitability
Value: $238.00
Peer Avg: $174.31
#176 of 1077 Top 16.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1033
AMR Growth Rate
growth
Value: -5.23%
Peer Avg: 3.64%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
943
Deposit Growth Rate
growth
Value: -1.10%
Peer Avg: 4.69%
#943 of 1077 Bottom 12.5% in 100M-500M tier
908
Asset Growth Rate
growth
Value: -0.62%
Peer Avg: 4.70%
#908 of 1077 Bottom 15.8% in 100M-500M tier
899
Efficiency Ratio
profitability
Value: 87.16%
Peer Avg: 77.28%
#899 of 1077 Bottom 16.6% in 100M-500M tier
831
First Mortgage Concentration (%)
balance_sheet
Value: 43.03%
Peer Avg: 30.43%
#831 of 1077 Bottom 22.9% in 100M-500M tier
829
Average Member Relationship (AMR)
engagement
Value: $18,014
Peer Avg: $24,363
#829 of 1077 Bottom 23.1% in 100M-500M tier