BlastPoint's Credit Union Scorecard

CPORT

Charter #63828 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

CPORT has 8 strengths but faces 8 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: 5.3% YoY
+ Total Members: Top 2.5% in tier
+ Total Deposits: Top 5.9% in tier
+ Total Loans: Top 7.0% in tier
+ Total Assets: Top 7.2% in tier
+ Member Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 9.96% above tier (higher cost structure)
- Delinquency rate 0.53% above tier average
- AMR Growth Rate: Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	36,902 +5.3% YoY+1.1% QoQ	+21.5K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	Top 2.6% in tier
Assets	$425.7M +2.4% YoY+2.5% QoQ	+$193.8M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	Top 7.3% in tier
Loans	$293.8M +2.2% YoY+1.5% QoQ	+$146.4M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	Top 7.1% in tier
Deposits	$378.5M +1.7% YoY+2.7% QoQ	+$177.7M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	Top 6.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -24.9% YoY+5.9% QoQ	-0.2%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	33%
NIM	3.6% +2.1% YoY-0.7% QoQ	+0.0%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	50%
Efficiency Ratio	87.0% -0.1% YoY-0.2% QoQ	+10.0%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	84%
Delinquency Rate	1.4% +104.6% YoY+30.1% QoQ	+0.5	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	85%
Loan To Share	77.6% +0.5% YoY-1.1% QoQ	+5.4%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	57%
AMR	$18,217 -3.2% YoY+1.1% QoQ	$-6K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	22%
CD Concentration	17.4% -6.5% YoY+1.7% QoQ	-7.0%	24.4%	25.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#78 of 426 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 5.30%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#165 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.30%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.52%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#71 of 705 • 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): 0.73% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#84 of 208 • 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): -3.23%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank worsening

Credit Risk Growth

risk

#201 of 456 • 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): 2.16%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.73% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk

#292 of 538 • 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: 86.98%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 5.30%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Total Members

engagement

Value: 36,902

Peer Median: -

#28 of 1069 Top 2.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $378.47M

Peer Median: -

#64 of 1069 Top 5.9% in 100M-500M tier

Total Loans

balance_sheet

Value: $293.77M

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $425.70M

Peer Median: -

#78 of 1069 Top 7.2% in 100M-500M tier

Member Growth Rate

growth

Value: 5.30%

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

190

Fee Income Per Member

profitability

Value: $233.00

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

Top Weaknesses (5 metrics)

999

AMR Growth Rate

growth

Value: -3.23%

Peer Median: -

#999 of 1069 Bottom 6.6% in 100M-500M tier

906

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Median: -

#906 of 1069 Bottom 15.3% in 100M-500M tier

897

Efficiency Ratio

profitability

Value: 86.98%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

828

Average Member Relationship (AMR)

engagement

Value: $18,217

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier

809

First Mortgage Concentration (%)

balance_sheet

Value: 42.39%

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier