BlastPoint's Credit Union Scorecard

DOWNEAST

Charter #68563 · ME

100M-500M

1024 CUs in 100M-500M nationally 33 in ME

DOWNEAST has 5 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: 6.9% YoY
+ Fee Income Per Member: Top 3.3% in tier
+ Member Growth Rate: Top 5.8% in tier
+ Loan-to-Share Ratio: Top 7.0% in tier
+ Total Loans: Top 9.0% 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 0.38% below tier average
- Efficiency ratio 12.61% above tier (higher cost structure)
- Delinquency rate 0.07% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
Shares and deposits +9.7% year over year ($297M in shares and deposits).
Membership: 25,858 members, +6.9% vs a year ago.
Delinquency rate 0.95%.
Return on assets 0.49%.
Efficiency ratio 89.34% vs a 76.73% peer average.
Loan-to-share ratio 94.18% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	25,858 +6.9% YoY+2.0% QoQ	+10.7K	15,168 -2.6% YoY	16,125 +1.5% YoY	34,678 +6.6% YoY	Top 11.0% in tier
Assets	$330.4M +9.2% YoY+0.8% QoQ	+$98.4M	$232.0M +0.7% YoY	$282.5M +5.4% YoY	$593.1M +10.2% YoY	78%
Loans	$280.0M +8.2% YoY+2.3% QoQ	+$133.7M	$146.3M +0.2% YoY	$195.0M +5.1% YoY	$418.6M +10.1% YoY	Top 9.1% in tier
Deposits	$297.3M +9.7% YoY+0.8% QoQ	+$96.6M	$200.7M +0.2% YoY	$246.1M +4.8% YoY	$504.8M +10.3% YoY	81%

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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% -36.9% YoY-4.5% QoQ	-0.4%	0.9% +12.5% YoY	0.8% -4.3% YoY	1.2% +121.4% YoY	27%
NIM	3.5% +4.2% YoY+0.2% QoQ	-0.2%	3.7% +4.5% YoY	3.6% +1.9% YoY	3.8% +2.3% YoY	39%
Efficiency Ratio	89.3% +2.9% YoY+0.8% QoQ	+12.6%	76.7% -0.8% YoY	78.1% +1.5% YoY	83.0% -5.3% YoY	Bottom 12.7% in tier
Delinquency Rate	1.0% +140.1% YoY+19.7% QoQ	+0.1	0.9% +6.6% YoY	0.9% +26.9% YoY	1.3% +2.6% YoY	67%
Loan To Share	94.2% -1.4% YoY+1.5% QoQ	+22.6%	71.5% -0.3% YoY	74.1% -1.3% YoY	66.4% -1.4% YoY	Top 7.1% in tier
AMR	$22,327 +2.0% YoY-0.5% QoQ	$-3K	$25,107 +3.2% YoY	$26,047 +3.5% YoY	$20,028 -0.9% YoY	46%
CD Concentration	25.7% -17.1% YoY-23.1% QoQ	+1.1%	24.6%	25.5%	20.0%	50%
Indirect Auto %	45.2% +2.1% YoY-0.4% QoQ	+31.6%	13.6%	16.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#44 of 476 • 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): 9.23%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 45.19%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.87%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Credit Risk Growth

risk

#53 of 472 • 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): 8.20%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.56% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#117 of 693 • 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): 0.56% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Liquidity Strain

risk

#106 of 224 • 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: 94.18%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 8.20%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Efficiency Drag

risk

#333 of 531 • 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: 89.34%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.28% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 6.87%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 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 1024 peers in tier

Top Strengths (11 metrics)

Fee Income Per Member

profitability

Value: $327.10

Peer Median: $159.88

#35 of 1024 Top 3.3% in 100M-500M tier

Member Growth Rate

growth

Value: 6.87%

Peer Median: -0.03%

#60 of 1024 Top 5.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.18%

Peer Median: 73.07%

#73 of 1024 Top 7.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $280.01M

Peer Median: $124.04M

#93 of 1024 Top 9.0% in 100M-500M tier

104

Deposit Growth Rate

growth

Value: 9.68%

Peer Median: 3.58%

#104 of 1024 Top 10.1% in 100M-500M tier

113

Total Members

engagement

Value: 25,858

Peer Median: 13,128

#113 of 1024 Top 10.9% in 100M-500M tier

134

Asset Growth Rate

growth

Value: 9.23%

Peer Median: 4.12%

#134 of 1024 Top 13.0% in 100M-500M tier

193

Total Deposits

balance_sheet

Value: $297.32M

Peer Median: $170.77M

#193 of 1024 Top 18.8% in 100M-500M tier

204

First Mortgage Concentration (%)

balance_sheet

Value: 14.93%

Peer Median: 29.92%

#204 of 1024 Top 19.8% in 100M-500M tier

221

Total Assets

balance_sheet

Value: $330.40M

Peer Median: $196.38M

#221 of 1024 Top 21.5% in 100M-500M tier

Top Weaknesses (4 metrics)

973

Indirect Auto Concentration (%)

balance_sheet

Value: 45.19%

Peer Median: 6.15%

#973 of 1024 Bottom 5.1% in 100M-500M tier

919

Net Worth Ratio

risk

Value: 8.85%

Peer Median: 11.71%

#919 of 1024 Bottom 10.4% in 100M-500M tier

895

Efficiency Ratio

profitability

Value: 89.34%

Peer Median: 77.26%

#895 of 1024 Bottom 12.7% in 100M-500M tier

805

Members Per Employee (MPE)

engagement

Value: 253.510

Peer Median: 310.924

#805 of 1024 Bottom 21.5% in 100M-500M tier