BlastPoint's Credit Union Scorecard

DOWNEAST

Charter #68563 · ME

100M-500M

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

DOWNEAST has 7 strengths but faces 8 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

+ Strong member growth: 8.8% YoY
+ Fee Income Per Member: Top 3.3% in tier
+ Member Growth Rate: Top 5.0% in tier
+ Deposit Growth Rate: Top 6.3% in tier
+ Loan-to-Share Ratio: Top 6.7% in tier
+ Asset Growth Rate: Top 7.8% in tier
+ Total Loans: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.22% below tier average
- Efficiency ratio 10.63% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	25,342 +8.8% YoY+2.5% QoQ	+10.2K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	Top 11.8% in tier
Assets	$327.7M +10.8% YoY+4.4% QoQ	+$96.0M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	77%
Loans	$273.7M +8.5% YoY+4.7% QoQ	+$129.5M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Top 8.9% in tier
Deposits	$295.1M +11.4% YoY+4.8% QoQ	+$93.9M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	80%

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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	0.5% -17.6% YoY-9.9% QoQ	-0.2%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	37%
NIM	3.5% +5.6% YoY+1.9% QoQ	-0.1%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	88.6% -0.8% YoY+1.1% QoQ	+10.6%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.8% +112.5% YoY-17.4% QoQ	+0.0	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	65%
Loan To Share	92.7% -2.5% YoY-0.1% QoQ	+22.3%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Top 6.8% in tier
AMR	$22,444 +1.1% YoY+2.2% QoQ	$-2K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	47%
CD Concentration	33.4% +15.1% YoY+8.1% QoQ	+9.1%	24.3%	25.4%	19.8%	50%
Indirect Auto %	45.4% +2.3% YoY+3.7% QoQ	+31.6%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#43 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.85%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 45.39%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 8.82%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#66 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): 8.53%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.42% 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

Credit Quality Pressure

risk

#153 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): 0.42% 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 | Rank improving

Liquidity Strain

risk

#97 of 183 • 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: 92.75%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.53%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Efficiency Drag

risk

#323 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 88.65%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.11% points

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

worse than tier avg

Member Growth (YoY): 8.82%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY

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 (11 metrics)

Fee Income Per Member

profitability

Value: $321.14

Peer Median: $154.95

#36 of 1070 Top 3.3% in 100M-500M tier

Member Growth Rate

growth

Value: 8.82%

Peer Median: -0.06%

#55 of 1070 Top 5.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.36%

Peer Median: 3.30%

#68 of 1070 Top 6.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.75%

Peer Median: 71.88%

#73 of 1070 Top 6.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.85%

Peer Median: 3.91%

#84 of 1070 Top 7.8% in 100M-500M tier

Total Loans

balance_sheet

Value: $273.69M

Peer Median: $121.41M

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

126

Total Members

engagement

Value: 25,342

Peer Median: 13,200

#126 of 1070 Top 11.7% in 100M-500M tier

212

Total Deposits

balance_sheet

Value: $295.08M

Peer Median: $171.29M

#212 of 1070 Top 19.7% in 100M-500M tier

229

First Mortgage Concentration (%)

balance_sheet

Value: 15.27%

Peer Median: 29.47%

#229 of 1070 Top 21.3% in 100M-500M tier

233

Loan Growth Rate

growth

Value: 8.53%

Peer Median: 2.93%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1015

Indirect Auto Concentration (%)

balance_sheet

Value: 45.39%

Peer Median: 6.61%

#1015 of 1070 Bottom 5.2% in 100M-500M tier

947

Net Worth Ratio

risk

Value: 8.81%

Peer Median: 11.45%

#947 of 1070 Bottom 11.6% in 100M-500M tier

870

Efficiency Ratio

profitability

Value: 88.65%

Peer Median: 78.68%

#870 of 1070 Bottom 18.8% in 100M-500M tier

868

Share Certificate Concentration (%)

balance_sheet

Value: 33.42%

Peer Median: 23.10%

#868 of 1070 Bottom 19.0% in 100M-500M tier