BlastPoint's Credit Union Scorecard

CENTRAL MAINE

Charter #6936 · ME

1077 CUs in 100M-500M nationally 33 in ME

CENTRAL MAINE has 9 strengths but faces 9 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

+ Organic Growth Leader: Top 1.0% in tier
+ Organic Growth Engine: Top 3.2% in tier
+ Emerging Performer: Top 15.8% in tier
+ Credit Quality Leader: Top 86.1% in tier
+ Profitability Leader: Top 95.3% in tier
+ ROA 0.35% above tier average
+ Strong member growth: 22.9% YoY
+ Member Growth Rate: Top 1.9% in tier
+ Net Charge-Off Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 0.9% in tier
- Cost Spiral: Bottom 10.3% in tier
- Margin Compression: Bottom 15.3% in tier
- Indirect Auto Dependency: Bottom 32.4% in tier
- AMR Growth Rate: Bottom 0.9% in tier
- Total Loans: Bottom 2.3% in tier
- Loan-to-Share Ratio: Bottom 2.7% in tier
- Total Members: Bottom 7.6% in tier
- Net Interest Margin (NIM): Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	6,500 +22.9% YoY+21.6% QoQ	-9.1K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	Bottom 7.5% in tier
Assets	$136.9M +0.7% YoY+0.6% QoQ	$-94.4M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	24%
Loans	$40.4M +8.1% YoY+4.6% QoQ	$-107.4M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	Bottom 2.2% in tier
Deposits	$116.0M -0.4% YoY+0.6% QoQ	$-84.3M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	23%

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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	1.1% -22.1% YoY-15.4% QoQ	+0.3%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	74%
NIM	2.7% +92.2% YoY-1.1% QoQ	-0.9%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	Bottom 9.3% in tier
Efficiency Ratio	65.7% +14.4% YoY+7.1% QoQ	-11.6%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	0.3% -12.9% YoY+117.1% QoQ	-0.5	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	22%
Loan To Share	34.9% +8.5% YoY+3.9% QoQ	-37.8%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Bottom 2.6% in tier
AMR	$24,061 -17.3% YoY-16.4% QoQ	$-302	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	60%
CD Concentration	24.9% -3.3% YoY+2.1% QoQ	+0.5%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.5% +147.4% YoY+19.4% QoQ	+3.5%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#14 of 430 • Top 1.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 22.85%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.45%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#59 of 603 • Top 3.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 22.85%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.14%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 17.45%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#31 of 191 • Top 15.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.14%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 22.85%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Credit Quality Leader

growth

#293 of 340 • Top 86.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.35%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.05% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Profitability Leader

growth

#324 of 340 • Top 95.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.14%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (4)

Shrinking Wallet Share

decline

#10 of 244 • Bottom 0.9% in tier

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

Why This Signature

AMR Growth (YoY): -17.26%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Cost Spiral

risk

#26 of 62 • Bottom 10.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.27% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 38.99%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

Margin Compression

decline

#65 of 136 • Bottom 15.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.14%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.46%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#521 of 525 • Bottom 32.4% in tier

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

Why This Signature

Asset Growth (YoY): 0.70%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.45%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 22.85%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (6 metrics)

Member Growth Rate

growth

Value: 22.85%

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

103

Net Charge-Off Rate

risk

Value: 0.06%

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

157

Net Worth Ratio

risk

Value: 15.20%

Peer Avg: -

#157 of 1077 Top 14.5% in 100M-500M tier

176

Efficiency Ratio

profitability

Value: 65.66%

Peer Avg: -

#176 of 1077 Top 16.2% in 100M-500M tier

240

Loan Growth Rate

growth

Value: 8.07%

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

240

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1068

AMR Growth Rate

growth

Value: -17.26%

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1053

Total Loans

balance_sheet

Value: $40.43M

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

1049

Loan-to-Share Ratio

balance_sheet

Value: 34.86%

Peer Avg: -

#1049 of 1077 Bottom 2.7% in 100M-500M tier

996

Total Members

engagement

Value: 6,500

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

977

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Avg: -

#977 of 1077 Bottom 9.4% in 100M-500M tier

960

First Mortgage Concentration (%)

balance_sheet

Value: 52.88%

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

910

Loan-to-Member Ratio (LMR)

engagement

Value: $6,219

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

907

Deposit Growth Rate

growth

Value: -0.41%

Peer Avg: -

#907 of 1077 Bottom 15.9% in 100M-500M tier

833

Total Deposits

balance_sheet

Value: $115.97M

Peer Avg: -

#833 of 1077 Bottom 22.7% in 100M-500M tier

825

Asset Growth Rate

growth

Value: 0.70%

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier