BlastPoint's Credit Union Scorecard

SACO VALLEY

Charter #68324 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

SACO VALLEY has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.24% above tier average
+ Net Charge-Off Rate: Top 1.4% in tier
+ Loan-to-Member Ratio (LMR): Top 6.3% in tier
+ Average Member Relationship (AMR): Top 8.4% in tier
+ Loan-to-Share Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	9,201 +0.8% YoY+0.0% QoQ	-6.2K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	25%
Assets	$190.8M +4.4% YoY+2.5% QoQ	$-41.1M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	49%
Loans	$158.1M +4.7% YoY+1.9% QoQ	+$10.7M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	63%
Deposits	$170.0M +3.7% YoY+2.6% QoQ	$-30.8M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	50%

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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% +41.9% YoY-2.5% QoQ	+0.2%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	69%
NIM	3.2% +12.7% YoY+0.9% QoQ	-0.4%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	29%
Efficiency Ratio	74.9% -6.0% YoY+0.9% QoQ	-2.1%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	40%
Delinquency Rate	0.7% +384.3% YoY-11.8% QoQ	-0.2	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	48%
Loan To Share	93.0% +1.0% YoY-0.7% QoQ	+20.7%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	Top 9.4% in tier
AMR	$35,658 +3.4% YoY+2.2% QoQ	+$11K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	Top 8.5% in tier
CD Concentration	36.1% -1.2% YoY+0.1% QoQ	+11.7%	24.4%	25.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#382 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.79%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#196 of 268 • Top 50.0% 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): 3.38%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.4K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Organic Growth Leader

growth

#386 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.79%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#107 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.55% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#122 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 4.73%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.55% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Liquidity Strain

risk

#159 of 228 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.96%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 4.73%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: -

#16 of 1069 Top 1.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,178

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,658

Peer Median: -

#91 of 1069 Top 8.4% in 100M-500M tier

100

Loan-to-Share Ratio

balance_sheet

Value: 92.96%

Peer Median: -

#100 of 1069 Top 9.3% in 100M-500M tier

Top Weaknesses (2 metrics)

1024

First Mortgage Concentration (%)

balance_sheet

Value: 64.21%

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

935

Share Certificate Concentration (%)

balance_sheet

Value: 36.08%

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier