BlastPoint's Credit Union Scorecard

SACO VALLEY

Charter #68324 · ME

1077 CUs in 100M-500M nationally 33 in ME

SACO VALLEY has 7 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

+ Relationship Depth Leader: Top 96.1% in tier
+ ROA 0.24% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 1.6% in tier
+ Loan-to-Member Ratio (LMR): Top 6.6% in tier
+ Average Member Relationship (AMR): Top 9.0% in tier
+ Loan-to-Share Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.8% in tier
- Credit Risk Growth: Bottom 12.6% in tier
- Liquidity Strain: Bottom 22.9% in tier
- First Mortgage Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	9,200 +0.0% YoY+0.3% QoQ	-6.4K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	24%
Assets	$186.2M +1.3% YoY-1.0% QoQ	$-45.1M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	46%
Loans	$155.1M +2.6% YoY+1.0% QoQ	+$7.3M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	62%
Deposits	$165.8M +0.3% YoY-1.6% QoQ	$-34.5M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	48%

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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% +52.4% YoY+20.0% QoQ	+0.2%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	68%
NIM	3.2% +14.2% YoY+1.4% QoQ	-0.4%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	28%
Efficiency Ratio	74.2% -7.7% YoY-4.1% QoQ	-3.1%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	39%
Delinquency Rate	0.8% +399.4% YoY-0.0% QoQ	-0.1	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	59%
Loan To Share	93.6% +2.3% YoY+2.6% QoQ	+20.9%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Top 9.7% in tier
AMR	$34,884 +1.3% YoY-0.7% QoQ	+$11K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	Top 9.1% in tier
CD Concentration	36.0% +0.5% YoY+1.8% QoQ	+11.6%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#247 of 257 • Top 96.1% 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): 1.35%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.5K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#96 of 736 • Bottom 3.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.63% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#190 of 446 • Bottom 12.6% in tier

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

Why This Signature

Loan Growth (YoY): 2.62%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.63% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Strain

risk

#178 of 258 • Bottom 22.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.57%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 2.62%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Avg: -

#18 of 1077 Top 1.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,863

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $34,884

Peer Avg: -

#98 of 1077 Top 9.0% in 100M-500M tier

105

Loan-to-Share Ratio

balance_sheet

Value: 93.57%

Peer Avg: -

#105 of 1077 Top 9.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1032

First Mortgage Concentration (%)

balance_sheet

Value: 63.68%

Peer Avg: -

#1032 of 1077 Bottom 4.3% in 100M-500M tier

938

Share Certificate Concentration (%)

balance_sheet

Value: 36.03%

Peer Avg: -

#938 of 1077 Bottom 13.0% in 100M-500M tier

854

Deposit Growth Rate

growth

Value: 0.27%

Peer Avg: -

#854 of 1077 Bottom 20.8% in 100M-500M tier

817

Total Members

engagement

Value: 9,200

Peer Avg: -

#817 of 1077 Bottom 24.2% in 100M-500M tier