BlastPoint's Credit Union Scorecard

SACO VALLEY

Charter #68324 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

SACO VALLEY has 5 strengths but faces 3 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 50.0% in tier
+ ROA 0.13% above tier average
+ Net Charge-Off Rate: Top 6.2% in tier
+ Loan-to-Member Ratio (LMR): Top 6.4% in tier
+ Average Member Relationship (AMR): Top 8.8% 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
- First Mortgage Concentration (%): Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	9,215 +0.4% YoY+0.2% QoQ	-5.9K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	26%
Assets	$196.0M +5.2% YoY+2.7% QoQ	$-35.7M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	50%
Loans	$157.2M +3.3% YoY-0.5% QoQ	+$13.1M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	64%
Deposits	$174.7M +4.5% YoY+2.7% QoQ	$-26.4M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	52%

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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	0.9% +25.5% YoY-14.6% QoQ	+0.1%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	61%
NIM	3.2% +6.0% YoY-0.3% QoQ	-0.4%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	77.7% -4.4% YoY+3.8% QoQ	-0.3%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.3% +80.2% YoY-58.7% QoQ	-0.5	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	21%
Loan To Share	90.0% -1.1% YoY-3.2% QoQ	+19.6%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Top 11.5% in tier
AMR	$36,018 +3.5% YoY+1.0% QoQ	+$11K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	Top 8.9% in tier
CD Concentration	36.2% +4.6% YoY+0.3% QoQ	+11.9%	24.3%	25.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#177 of 257 • 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): 3.52%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.5K

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

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk

#447 of 727 • 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): 0.13% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#368 of 476 • 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): 3.34%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.13% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

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

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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.35%

#67 of 1070 Top 6.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,059

Peer Median: $9,356

#69 of 1070 Top 6.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $36,018

Peer Median: $22,931

#95 of 1070 Top 8.8% in 100M-500M tier

123

Loan-to-Share Ratio

balance_sheet

Value: 89.98%

Peer Median: 71.88%

#123 of 1070 Top 11.4% in 100M-500M tier

227

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.61%

#227 of 1070 Top 21.1% in 100M-500M tier

Top Weaknesses (2 metrics)

1024

First Mortgage Concentration (%)

balance_sheet

Value: 64.06%

Peer Median: 29.47%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

939

Share Certificate Concentration (%)

balance_sheet

Value: 36.18%

Peer Median: 23.10%

#939 of 1070 Bottom 12.3% in 100M-500M tier