BlastPoint's Credit Union Scorecard

DOWNEAST

Charter #68563 · ME

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

DOWNEAST has 4 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: 6.1% YoY
  • + Member Growth Rate: Top 6.6% in tier
  • + Fee Income Per Member: Top 8.1% in tier
  • + Loan-to-Share Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Liquidity Strain: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 10.63% above tier (higher cost structure)
  • - Delinquency rate 0.07% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 24,718
+6.1% YoY+0.8% QoQ
 +9.3K 15,437
-2.9% YoY
 15,963
+1.6% YoY
 33,374
+5.7% YoY
 Top 13.1% in tier
Assets $314.0M
+9.1% YoY+1.7% QoQ
 +$82.1M $231.9M
+1.3% YoY
 $273.7M
+6.0% YoY
 $561.6M
+9.7% YoY
 75%
Loans $261.3M
+5.3% YoY-0.0% QoQ
 +$114.0M $147.3M
-0.1% YoY
 $190.1M
+4.4% YoY
 $397.0M
+8.8% YoY
 Top 11.6% in tier
Deposits $281.6M
+9.1% YoY+1.8% QoQ
 +$80.8M $200.8M
+0.8% YoY
 $239.3M
+5.9% YoY
 $477.3M
+9.7% YoY
 78%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.6%
+166.7% YoY-16.0% QoQ
 -0.2% 0.8%
+18.2% YoY
 0.9%
+5.3% YoY
 0.7%
+15.9% YoY
 36%
NIM 3.4%
+13.0% YoY+0.4% QoQ
 -0.2% 3.6%
+6.7% YoY
 3.6%
+4.8% YoY
 3.8%
+5.1% YoY
 40%
Efficiency Ratio 87.6%
-7.7% YoY-0.3% QoQ
 +10.6% 77.0%
-3.1% YoY
 76.4%
-1.6% YoY
 79.7%
-3.3% YoY
 Bottom 14.7% in tier
Delinquency Rate 1.0%
+101.1% YoY+98.4% QoQ
 +0.1 0.9%
+4.2% YoY
 0.8%
+17.6% YoY
 1.3%
-2.1% YoY
 67%
Loan To Share 92.8%
-3.5% YoY-1.8% QoQ
 +20.6% 72.2%
-1.1% YoY
 74.9%
-2.1% YoY
 67.4%
-1.7% YoY
 Top 9.6% in tier
AMR $21,963
+1.0% YoY+0.1% QoQ
 $-3K $24,676
+3.4% YoY
 $25,603
+4.2% YoY
 $19,687
+2.0% YoY
 46%
CD Concentration 30.9%
+4.2% YoY-1.1% QoQ
 +6.5% 24.4% 25.1% 19.8% 50%
Indirect Auto % 43.8%
-5.6% YoY+0.3% QoQ
 +30.0% 13.8% 15.9% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk
#74 of 506 • 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): 9.06%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 43.78%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 6.15%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY

Credit Quality Pressure

risk
#131 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): 0.49% 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
#117 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): 5.28%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.49% 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
#156 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: 92.80%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 5.28%
(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 worsening

Efficiency Drag

risk
#385 of 538 • 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: 87.64%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.35% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 6.15%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 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)

Comparing against 1069 peers in tier

Top Strengths (10 metrics)

72
Member Growth Rate
growth
Value: 6.15%
Peer Median: -
#72 of 1069 Top 6.6% in 100M-500M tier
88
Fee Income Per Member
profitability
Value: $275.94
Peer Median: -
#88 of 1069 Top 8.1% in 100M-500M tier
103
Loan-to-Share Ratio
balance_sheet
Value: 92.80%
Peer Median: -
#103 of 1069 Top 9.5% in 100M-500M tier
124
Total Loans
balance_sheet
Value: $261.30M
Peer Median: -
#124 of 1069 Top 11.5% in 100M-500M tier
140
Total Members
engagement
Value: 24,718
Peer Median: -
#140 of 1069 Top 13.0% in 100M-500M tier
163
Deposit Growth Rate
growth
Value: 9.09%
Peer Median: -
#163 of 1069 Top 15.2% in 100M-500M tier
182
Asset Growth Rate
growth
Value: 9.06%
Peer Median: -
#182 of 1069 Top 16.9% in 100M-500M tier
237
Total Deposits
balance_sheet
Value: $281.58M
Peer Median: -
#237 of 1069 Top 22.1% in 100M-500M tier
242
First Mortgage Concentration (%)
balance_sheet
Value: 15.92%
Peer Median: -
#242 of 1069 Top 22.5% in 100M-500M tier
263
Total Assets
balance_sheet
Value: $314.01M
Peer Median: -
#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1006
Indirect Auto Concentration (%)
balance_sheet
Value: 43.78%
Peer Median: -
#1006 of 1069 Bottom 6.0% in 100M-500M tier
917
Net Worth Ratio
risk
Value: 9.06%
Peer Median: -
#917 of 1069 Bottom 14.3% in 100M-500M tier
913
Efficiency Ratio
profitability
Value: 87.64%
Peer Median: -
#913 of 1069 Bottom 14.7% in 100M-500M tier
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