BlastPoint's Credit Union Scorecard

CENTRAL MAINE

Charter #6936 · ME

100M-500M

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

CENTRAL MAINE has 3 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: 22.9% YoY
+ Member Growth Rate: Top 1.3% in tier
+ Loan Growth Rate: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 9.74% above tier (higher cost structure)
- AMR Growth Rate: Bottom 1.1% in tier

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 +7.6% year over year ($124M in shares and deposits).
Membership: 6,571 members, +22.9% vs a year ago.
Delinquency rate 0.66%.
Return on assets 0.42%.
Efficiency ratio 86.47% vs a 76.73% peer average.
Loan-to-share ratio 37.41% 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	6,571 +22.9% YoY+1.7% QoQ	-8.6K	15,168 -2.6% YoY	16,125 +1.5% YoY	34,678 +6.6% YoY	Bottom 9.6% in tier
Assets	$145.5M +6.9% YoY+1.6% QoQ	$-86.5M	$232.0M +0.7% YoY	$282.5M +5.4% YoY	$593.1M +10.2% YoY	28%
Loans	$46.4M +20.1% YoY+7.8% QoQ	$-99.8M	$146.3M +0.2% YoY	$195.0M +5.1% YoY	$418.6M +10.1% YoY	Bottom 4.7% in tier
Deposits	$124.1M +7.6% YoY+1.9% QoQ	$-76.7M	$200.7M +0.2% YoY	$246.1M +4.8% YoY	$504.8M +10.3% YoY	27%

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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	0.4% -68.9% YoY-40.4% QoQ	-0.4%	0.9% +12.5% YoY	0.8% -4.3% YoY	1.2% +121.4% YoY	22%
NIM	2.5% -9.6% YoY+2.0% QoQ	-1.2%	3.7% +4.5% YoY	3.6% +1.9% YoY	3.8% +2.3% YoY	Bottom 3.6% in tier
Efficiency Ratio	86.5% +41.0% YoY+10.7% QoQ	+9.7%	76.7% -0.8% YoY	78.1% +1.5% YoY	83.0% -5.3% YoY	80%
Delinquency Rate	0.7% +311.3% YoY+81.7% QoQ	-0.2	0.9% +6.6% YoY	0.9% +26.9% YoY	1.3% +2.6% YoY	47%
Loan To Share	37.4% +11.5% YoY+5.7% QoQ	-34.1%	71.5% -0.3% YoY	74.1% -1.3% YoY	66.4% -1.4% YoY	Bottom 3.5% in tier
AMR	$25,943 -9.9% YoY+1.7% QoQ	+$837	$25,107 +3.2% YoY	$26,047 +3.5% YoY	$20,028 -0.9% YoY	65%
CD Concentration	23.8% -2.2% YoY-1.2% QoQ	-0.7%	24.6%	25.5%	20.0%	50%
Indirect Auto %	29.3% +100.5% YoY+28.5% QoQ	+15.7%	13.6%	16.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#12 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): 20.06%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.50% 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 | New qualifier

Shrinking Wallet Share

decline

#13 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.87%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Quality Pressure

risk

#141 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): 0.50% 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 | New qualifier

Indirect Auto Dependency

risk

#212 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): 6.95%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 29.31%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 22.89%

(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 | New qualifier

Efficiency Drag

risk

#501 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: 86.47%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.93% points

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

worse than tier avg

Member Growth (YoY): 22.89%

(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 | 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 1024 peers in tier

Top Strengths (6 metrics)

Member Growth Rate

growth

Value: 22.89%

Peer Median: -0.03%

#14 of 1024 Top 1.3% in 100M-500M tier

Loan Growth Rate

growth

Value: 20.06%

Peer Median: 3.02%

#32 of 1024 Top 3.0% in 100M-500M tier

169

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.34%

#169 of 1024 Top 16.4% in 100M-500M tier

179

Deposit Growth Rate

growth

Value: 7.65%

Peer Median: 3.58%

#179 of 1024 Top 17.4% in 100M-500M tier

195

Net Worth Ratio

risk

Value: 14.66%

Peer Median: 11.71%

#195 of 1024 Top 18.9% in 100M-500M tier

246

Asset Growth Rate

growth

Value: 6.95%

Peer Median: 4.12%

#246 of 1024 Top 23.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1014

AMR Growth Rate

growth

Value: -9.87%

Peer Median: 3.53%

#1014 of 1024 Bottom 1.1% in 100M-500M tier

988

Loan-to-Share Ratio

balance_sheet

Value: 37.41%

Peer Median: 73.07%

#988 of 1024 Bottom 3.6% in 100M-500M tier

987

Net Interest Margin (NIM)

profitability

Value: 2.46%

Peer Median: 3.67%

#987 of 1024 Bottom 3.7% in 100M-500M tier

976

Total Loans

balance_sheet

Value: $46.42M

Peer Median: $124.04M

#976 of 1024 Bottom 4.8% in 100M-500M tier

926

Total Members

engagement

Value: 6,571

Peer Median: 13,128

#926 of 1024 Bottom 9.7% in 100M-500M tier

861

Indirect Auto Concentration (%)

balance_sheet

Value: 29.31%

Peer Median: 6.15%

#861 of 1024 Bottom 16.0% in 100M-500M tier

824

Efficiency Ratio

profitability

Value: 86.47%

Peer Median: 77.26%

#824 of 1024 Bottom 19.6% in 100M-500M tier

800

First Mortgage Concentration (%)

balance_sheet

Value: 43.98%

Peer Median: 29.92%

#800 of 1024 Bottom 22.0% in 100M-500M tier

799

Return on Assets (ROA)

profitability

Value: 0.42%

Peer Median: 0.75%

#799 of 1024 Bottom 22.1% in 100M-500M tier

785

Loan-to-Member Ratio (LMR)

engagement

Value: $7,064

Peer Median: $9,434

#785 of 1024 Bottom 23.4% in 100M-500M tier