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BlastPoint's Credit Union Scorecard

SABATTUS REGIONAL

Charter #64062 · ME

<100M
2437 CUs in <100M nationally 8 in ME

SABATTUS REGIONAL has 4 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Total Deposits: Top 4.5% in tier
  • + Loan Growth Rate: Top 5.1% in tier
  • + Total Assets: Top 5.6% in tier
  • + Fee Income Per Member: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.68% below tier average
  • - Indirect Auto Concentration (%): Bottom 4.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 8 that size in Maine.
  • Shares and deposits +1.3% year over year ($75.9M in shares and deposits).
  • Membership: 4,777 members, +2.8% vs a year ago.
  • Delinquency rate 0.76%.
  • Return on assets 0.81%.
  • Efficiency ratio 80.18% vs a 88.77% peer average.
  • Loan-to-share ratio 51.66% vs a 58.89% 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 4,777
+2.8% YoY+1.0% QoQ
+2.2K 2,585
-1.7% YoY
16,125
+1.5% YoY
34,678
+6.6% YoY
Top 14.9% in tier
Assets $85.2M
+2.2% YoY-0.7% QoQ
+$54.9M $30.3M
+1.5% YoY
$282.5M
+5.4% YoY
$593.1M
+10.2% YoY
Top 5.6% in tier
Loans $39.2M
+15.5% YoY+5.4% QoQ
+$23.8M $15.5M
-1.7% YoY
$195.0M
+5.1% YoY
$418.6M
+10.1% YoY
Top 10.6% in tier
Deposits $75.9M
+1.3% YoY-1.1% QoQ
+$50.1M $25.8M
+1.1% YoY
$246.1M
+4.8% YoY
$504.8M
+10.3% 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 0.8%
-12.8% YoY+5.7% QoQ
-0.7% 1.5%
+241.5% YoY
0.8%
-4.3% YoY
1.2%
+121.4% YoY
50%
NIM 3.4%
+7.7% YoY+2.4% QoQ
-0.5% 3.9%
+0.9% YoY
3.6%
+1.9% YoY
3.8%
+2.3% YoY
29%
Efficiency Ratio 80.2%
+2.8% YoY-1.2% QoQ
-8.6% 88.8%
-6.9% YoY
78.1%
+1.5% YoY
83.0%
-5.3% YoY
48%
Delinquency Rate 0.8%
+124.3% YoY-24.0% QoQ
-0.8 1.5%
+2.1% YoY
0.9%
+26.9% YoY
1.3%
+2.6% YoY
52%
Loan To Share 51.7%
+14.1% YoY+6.6% QoQ
-7.2% 58.9%
-3.1% YoY
74.1%
-1.3% YoY
66.4%
-1.4% YoY
39%
AMR $24,107
+2.9% YoY-0.0% QoQ
+$9K $14,963
-6.8% YoY
$26,047
+3.5% YoY
$20,028
-0.9% YoY
Top 10.4% in tier
CD Concentration 16.1%
+7.8% YoY+7.6% QoQ
-8.4% 24.6% 25.5% 20.0% 50%
Indirect Auto % 26.0%
+165.8% YoY+20.7% QoQ
+12.3% 13.6% 16.8% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2437 peers in tier

Top Strengths (9 metrics)

111
Total Deposits
balance_sheet
Value: $75.93M
Peer Median: $18.69M
#111 of 2437 Top 4.5% in <100M tier
126
Loan Growth Rate
growth
Value: 15.55%
Peer Median: -2.63%
#126 of 2437 Top 5.1% in <100M tier
137
Total Assets
balance_sheet
Value: $85.17M
Peer Median: $21.91M
#137 of 2437 Top 5.6% in <100M tier
168
Fee Income Per Member
profitability
Value: $188.06
Peer Median: $63.89
#168 of 2437 Top 6.9% in <100M tier
253
Average Member Relationship (AMR)
engagement
Value: $24,107
Peer Median: $13,967
#253 of 2437 Top 10.3% in <100M tier
259
Total Loans
balance_sheet
Value: $39.23M
Peer Median: $9.49M
#259 of 2437 Top 10.6% in <100M tier
294
Member Growth Rate
growth
Value: 2.75%
Peer Median: -1.37%
#294 of 2437 Top 12.0% in <100M tier
364
Total Members
engagement
Value: 4,777
Peer Median: 1,902
#364 of 2437 Top 14.9% in <100M tier
414
Loan-to-Member Ratio (LMR)
engagement
Value: $8,212
Peer Median: $4,937
#414 of 2437 Top 16.9% in <100M tier

Top Weaknesses (3 metrics)

2331
Indirect Auto Concentration (%)
balance_sheet
Value: 25.97%
Peer Median: 0.00%
#2331 of 2437 Bottom 4.4% in <100M tier
2074
First Mortgage Concentration (%)
balance_sheet
Value: 37.22%
Peer Median: 3.59%
#2074 of 2437 Bottom 14.9% in <100M tier
1980
Net Worth Ratio
risk
Value: 10.29%
Peer Median: 14.28%
#1980 of 2437 Bottom 18.8% in <100M tier
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