BlastPoint's Credit Union Scorecard

EVERGREEN

Charter #68038 · ME

Community 500M-750M

167 CUs in 500M-750M nationally 4 in ME

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EVERGREEN has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 15.1% in tier
+ Organic Growth Engine: Top 15.1% in tier
+ Relationship Depth Leader: Top 45.8% in tier
+ ROA 0.07% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 25.3% in tier
- Efficiency Drag: Bottom 38.0% in tier
- Credit Quality Pressure: Bottom 42.4% in tier
- Efficiency ratio 3.33% above tier (higher cost structure)
- Delinquency rate 0.19% above tier average
- Net Worth Ratio: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	32,688 +4.0% YoY+1.3% QoQ	-5.4K	38,079 -4.8% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	31%
Assets	$641.4M +9.1% YoY+2.3% QoQ	+$21.7M	$619.7M -0.2% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	57%
Loans	$467.5M +8.0% YoY+1.3% QoQ	+$48.2M	$419.3M -1.4% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	69%
Deposits	$584.6M +8.3% YoY+2.3% QoQ	+$45.1M	$539.5M -0.1% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	74%

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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% +80.4% YoY-24.5% QoQ	+0.1%	0.7% +36.0% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	62%
NIM	3.5% +4.5% YoY+1.8% QoQ	+0.0%	3.5% +4.5% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	81.7% -7.6% YoY+4.6% QoQ	+3.3%	78.4% -3.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	0.9% +7.2% YoY-11.1% QoQ	+0.2	0.7% -0.9% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	72%
Loan To Share	80.0% -0.3% YoY-0.9% QoQ	+2.3%	77.7% -1.2% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	50%
AMR	$32,187 +4.0% YoY+0.5% QoQ	+$5K	$26,927 +3.1% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	80%
CD Concentration	23.8% +5.9% YoY+1.8% QoQ	-0.4%	24.3%	25.4%	19.8%	48%
Indirect Auto %	1.7%	-12.1%	13.8%	16.4%	7.7%	38%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#112 of 371 • Top 15.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.03%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.69%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#157 of 352 • Top 15.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.03%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 1.69%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Relationship Depth Leader

growth

#163 of 257 • Top 45.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.98%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#292 of 476 • Bottom 25.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.01%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#566 of 727 • Bottom 42.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Efficiency Drag

risk

#552 of 596 • Bottom 38.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.72%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.34% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 4.03%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 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 167 peers in tier

Top Strengths (6 metrics)

Member Growth Rate

growth

Value: 4.03%

Peer Median: 1.03%

#21 of 167 Top 12.0% in 500M-750M tier

Asset Growth Rate

growth

Value: 9.13%

Peer Median: 4.66%

#30 of 167 Top 17.4% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $14,302

Peer Median: $11,231

#32 of 167 Top 18.6% in 500M-750M tier

Fee Income Per Member

profitability

Value: $253.82

Peer Median: $178.80

#33 of 167 Top 19.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $32,187

Peer Median: $25,600

#33 of 167 Top 19.2% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.31%

Peer Median: 4.02%

#34 of 167 Top 19.8% in 500M-750M tier

Top Weaknesses (3 metrics)

156

Net Worth Ratio

risk

Value: 7.93%

Peer Median: 10.35%

#156 of 167 Bottom 7.2% in 500M-750M tier

133

Members Per Employee (MPE)

engagement

Value: 259.429

Peer Median: 318.730

#133 of 167 Bottom 21.0% in 500M-750M tier

127

First Mortgage Concentration (%)

balance_sheet

Value: 44.91%

Peer Median: 32.87%

#127 of 167 Bottom 24.6% in 500M-750M tier