BlastPoint's Credit Union Scorecard

SABATTUS REGIONAL

Charter #64062 · ME

<100M

2508 CUs in <100M nationally 9 in ME

SABATTUS REGIONAL has 5 strengths but faces 1 concern

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.62% above tier average
+ Total Deposits: Top 4.0% in tier
+ Total Assets: Top 5.1% in tier
+ Loan Growth Rate: Top 6.1% in tier
+ Fee Income Per Member: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	4,728 +3.1% YoY+1.2% QoQ	+2.1K	2,676 +1.6% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	85%
Assets	$85.8M +4.8% YoY+1.1% QoQ	+$55.6M	$30.2M +1.3% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Top 5.1% in tier
Loans	$37.2M +14.2% YoY+5.1% QoQ	+$21.9M	$15.3M -2.0% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Top 11.9% in tier
Deposits	$76.8M +4.0% YoY+1.1% QoQ	+$51.0M	$25.8M +0.7% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Top 4.1% 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% +1.7% YoY-24.0% QoQ	+0.6%	0.1% -77.6% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	58%
NIM	3.3% +6.3% YoY+2.4% QoQ	-0.7%	4.0% +4.0% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	81.2% -0.5% YoY+6.7% QoQ	-9.4%	90.6% +6.5% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	1.0% +170.0% YoY+59.1% QoQ	-0.5	1.5% +3.8% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	64%
Loan To Share	48.5% +9.8% YoY+4.0% QoQ	-10.0%	58.5% -3.0% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	34%
AMR	$24,108 +3.9% YoY+1.1% QoQ	+$9K	$14,884 -1.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	Top 10.3% in tier
CD Concentration	15.0% +5.8% YoY+2.6% QoQ	-9.3%	24.3%	25.4%	19.8%	50%
Indirect Auto %	21.5% +304.6% YoY+30.0% QoQ	+7.7%	13.8%	16.4%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

102

Total Deposits

balance_sheet

Value: $76.77M

Peer Median: $18.77M

#102 of 2508 Top 4.0% in <100M tier

129

Total Assets

balance_sheet

Value: $85.77M

Peer Median: $21.86M

#129 of 2508 Top 5.1% in <100M tier

153

Loan Growth Rate

growth

Value: 14.21%

Peer Median: -2.36%

#153 of 2508 Top 6.1% in <100M tier

169

Fee Income Per Member

profitability

Value: $180.78

Peer Median: $60.42

#169 of 2508 Top 6.7% in <100M tier

258

Average Member Relationship (AMR)

engagement

Value: $24,108

Peer Median: $13,926

#258 of 2508 Top 10.2% in <100M tier

288

Member Growth Rate

growth

Value: 3.10%

Peer Median: -1.37%

#288 of 2508 Top 11.4% in <100M tier

298

Total Loans

balance_sheet

Value: $37.22M

Peer Median: $9.48M

#298 of 2508 Top 11.8% in <100M tier

382

Total Members

engagement

Value: 4,728

Peer Median: 1,918

#382 of 2508 Top 15.2% in <100M tier

461

Loan-to-Member Ratio (LMR)

engagement

Value: $7,871

Peer Median: $4,923

#461 of 2508 Top 18.3% in <100M tier

Top Weaknesses (3 metrics)

2380

Indirect Auto Concentration (%)

balance_sheet

Value: 21.51%

Peer Median: 0.00%

#2380 of 2508 Bottom 5.1% in <100M tier

2157

First Mortgage Concentration (%)

balance_sheet

Value: 39.29%

Peer Median: 3.66%

#2157 of 2508 Bottom 14.0% in <100M tier

2067

Net Worth Ratio

risk

Value: 10.01%

Peer Median: 14.28%

#2067 of 2508 Bottom 17.6% in <100M tier