BlastPoint's Credit Union Scorecard

SABATTUS REGIONAL

Charter #64062 · ME

<100M
2556 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 0.39% above tier average
  • + Total Deposits: Top 4.7% in tier
  • + Total Assets: Top 5.9% in tier
  • + Loan Growth Rate: Top 6.9% in tier
  • + Fee Income Per Member: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Concentration (%): Bottom 6.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 4,672
+2.4% YoY+0.3% QoQ
+2.1K 2,615
-1.9% YoY
15,963
+1.6% YoY
33,374
+5.7% YoY
84%
Assets $84.8M
+6.6% YoY+2.2% QoQ
+$54.7M $30.1M
+2.1% YoY
$273.7M
+6.0% YoY
$561.6M
+9.7% YoY
Top 5.9% in tier
Loans $35.4M
+13.4% YoY+2.9% QoQ
+$19.7M $15.8M
-1.3% YoY
$190.1M
+4.4% YoY
$397.0M
+8.8% YoY
Top 13.8% in tier
Deposits $76.0M
+6.0% YoY+2.3% QoQ
+$50.3M $25.7M
+1.4% YoY
$239.3M
+5.9% YoY
$477.3M
+9.7% YoY
Top 4.7% 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 1.0%
+37.2% YoY-0.6% QoQ
+0.4% 0.6%
+10.8% YoY
0.9%
+5.3% YoY
0.7%
+15.9% YoY
66%
NIM 3.2%
+7.1% YoY+0.2% QoQ
-0.7% 4.0%
+4.0% YoY
3.6%
+4.8% YoY
3.8%
+5.1% YoY
25%
Efficiency Ratio 76.1%
-7.2% YoY+0.5% QoQ
-6.5% 82.6%
-2.3% YoY
76.4%
-1.6% YoY
79.7%
-3.3% YoY
40%
Delinquency Rate 0.6%
+224.7% YoY+0.4% QoQ
-0.9 1.6%
-3.1% YoY
0.8%
+17.6% YoY
1.3%
-2.1% YoY
46%
Loan To Share 46.6%
+7.0% YoY+0.6% QoQ
-14.0% 60.6%
-3.1% YoY
74.9%
-2.1% YoY
67.4%
-1.7% YoY
28%
AMR $23,842
+5.7% YoY+2.2% QoQ
+$9K $14,783
-1.4% YoY
$25,603
+4.2% YoY
$19,687
+2.0% YoY
Top 10.6% in tier
CD Concentration 14.6%
+11.8% YoY-0.4% QoQ
-9.8% 24.4% 25.1% 19.8% 50%
Indirect Auto % 16.6%
+975.0% YoY+21.3% QoQ
+2.8% 13.8% 15.9% 7.8% 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 2556 peers in tier

Top Strengths (12 metrics)

120
Total Deposits
balance_sheet
Value: $75.97M
Peer Median: -
#120 of 2556 Top 4.7% in <100M tier
151
Total Assets
balance_sheet
Value: $84.80M
Peer Median: -
#151 of 2556 Top 5.9% in <100M tier
178
Loan Growth Rate
growth
Value: 13.42%
Peer Median: -
#178 of 2556 Top 6.9% in <100M tier
189
Fee Income Per Member
profitability
Value: $198.28
Peer Median: -
#189 of 2556 Top 7.4% in <100M tier
270
Average Member Relationship (AMR)
engagement
Value: $23,842
Peer Median: -
#270 of 2556 Top 10.5% in <100M tier
339
Member Growth Rate
growth
Value: 2.43%
Peer Median: -
#339 of 2556 Top 13.2% in <100M tier
353
Total Loans
balance_sheet
Value: $35.42M
Peer Median: -
#353 of 2556 Top 13.8% in <100M tier
412
Total Members
engagement
Value: 4,672
Peer Median: -
#412 of 2556 Top 16.1% in <100M tier
467
Asset Growth Rate
growth
Value: 6.65%
Peer Median: -
#467 of 2556 Top 18.2% in <100M tier
518
Deposit Growth Rate
growth
Value: 6.01%
Peer Median: -
#518 of 2556 Top 20.2% in <100M tier

Top Weaknesses (4 metrics)

2390
Indirect Auto Concentration (%)
balance_sheet
Value: 16.55%
Peer Median: -
#2390 of 2556 Bottom 6.5% in <100M tier
2243
First Mortgage Concentration (%)
balance_sheet
Value: 41.73%
Peer Median: -
#2243 of 2556 Bottom 12.3% in <100M tier
2145
Net Worth Ratio
risk
Value: 9.93%
Peer Median: -
#2145 of 2556 Bottom 16.1% in <100M tier
1927
Net Interest Margin (NIM)
profitability
Value: 3.20%
Peer Median: -
#1927 of 2556 Bottom 24.6% in <100M tier
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