BlastPoint's Credit Union Scorecard

SABATTUS REGIONAL

Charter #64062 ยท ME

2596 CUs in <100M nationally 9 in ME

SABATTUS REGIONAL has 5 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.33% above tier average
  • + Total Deposits: Top 5.0% in tier
  • + Total Assets: Top 6.3% in tier
  • + Fee Income Per Member: Top 7.0% in tier
  • + Loan Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Concentration (%): Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 4,658
+1.9% YoY+0.2% QoQ
+2.0K 2,625
-2.2% YoY
15,972
+1.7% YoY
33,089
+6.1% YoY
84%
Assets $83.0M
+5.2% YoY-0.5% QoQ
+$53.1M $29.9M
+1.1% YoY
$270.6M
+5.7% YoY
$547.7M
+7.8% YoY
Top 6.4% in tier
Loans $34.4M
+12.2% YoY+1.4% QoQ
+$18.7M $15.8M
-2.4% YoY
$188.4M
+4.5% YoY
$388.7M
+8.6% YoY
Top 14.4% in tier
Deposits $74.3M
+4.4% YoY-0.9% QoQ
+$48.8M $25.5M
+0.4% YoY
$236.4M
+5.3% YoY
$464.6M
+9.3% YoY
Top 5.0% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.0%
+35.8% YoY+9.1% QoQ
+0.3% 0.7%
-731.4% YoY
0.9%
+6.3% YoY
0.7%
+273.4% YoY
62%
NIM 3.2%
+8.5% YoY+2.4% QoQ
-0.7% 3.9%
+3.8% YoY
3.6%
+6.2% YoY
3.7%
+5.0% YoY
24%
Efficiency Ratio 75.7%
-8.1% YoY-2.9% QoQ
-5.7% 81.4%
-2.4% YoY
76.0%
-2.1% YoY
79.1%
-3.3% YoY
44%
Delinquency Rate 0.6%
+202.5% YoY+84.6% QoQ
-0.9 1.5%
-2.0% YoY
0.8%
+28.5% YoY
1.2%
-0.9% YoY
48%
Loan To Share 46.3%
+7.5% YoY+2.3% QoQ
-14.9% 61.2%
-3.0% YoY
75.4%
-1.4% YoY
68.0%
-1.7% YoY
28%
AMR $23,339
+4.8% YoY-0.4% QoQ
+$9K $14,627
-2.7% YoY
$25,292
+3.8% YoY
$19,418
+1.3% YoY
Top 11.1% in tier
CD Concentration 14.7%
+23.4% YoY-1.9% QoQ
-9.7% 24.4%
+4.2% YoY
25.0%
+4.9% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 13.6%
+39.7% QoQ
-0.3% 14.0%
-5.7% YoY
15.8%
+6.7% YoY
7.9%
-2.9% YoY
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 2596 peers in tier

Top Strengths (10 metrics)

130
Total Deposits
balance_sheet
Value: $74.29M
Peer Avg: -
#130 of 2596 Top 5.0% in <100M tier
165
Total Assets
balance_sheet
Value: $82.95M
Peer Avg: -
#165 of 2596 Top 6.3% in <100M tier
182
Fee Income Per Member
profitability
Value: $196.30
Peer Avg: -
#182 of 2596 Top 7.0% in <100M tier
208
Loan Growth Rate
growth
Value: 12.24%
Peer Avg: -
#208 of 2596 Top 8.0% in <100M tier
289
Average Member Relationship (AMR)
engagement
Value: $23,339
Peer Avg: -
#289 of 2596 Top 11.1% in <100M tier
373
Total Loans
balance_sheet
Value: $34.42M
Peer Avg: -
#373 of 2596 Top 14.3% in <100M tier
423
Total Members
engagement
Value: 4,658
Peer Avg: -
#423 of 2596 Top 16.3% in <100M tier
459
Member Growth Rate
growth
Value: 1.93%
Peer Avg: -
#459 of 2596 Top 17.6% in <100M tier
589
Loan-to-Member Ratio (LMR)
engagement
Value: $7,390
Peer Avg: -
#589 of 2596 Top 22.7% in <100M tier
642
Asset Growth Rate
growth
Value: 5.16%
Peer Avg: -
#642 of 2596 Top 24.7% in <100M tier

Top Weaknesses (4 metrics)

2394
Indirect Auto Concentration (%)
balance_sheet
Value: 13.64%
Peer Avg: -
#2394 of 2596 Bottom 7.8% in <100M tier
2299
First Mortgage Concentration (%)
balance_sheet
Value: 42.52%
Peer Avg: -
#2299 of 2596 Bottom 11.5% in <100M tier
2181
Net Worth Ratio
risk
Value: 9.89%
Peer Avg: -
#2181 of 2596 Bottom 16.0% in <100M tier
1976
Net Interest Margin (NIM)
profitability
Value: 3.20%
Peer Avg: -
#1976 of 2596 Bottom 23.9% in <100M tier
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