BlastPoint's Credit Union Scorecard

CENTRAL MAINE

Charter #6936 · ME

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

CENTRAL MAINE has 7 strengths but faces 11 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 2.3% in tier
+ Organic Growth Engine: Top 15.0% in tier
+ Emerging Performer: Top 18.8% in tier
+ ROA 0.23% above tier average
+ Strong member growth: 23.0% YoY
+ Member Growth Rate: Top 1.7% in tier
+ Net Charge-Off Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 2.9% in tier
- Cost Spiral: Bottom 17.8% in tier
- Credit Risk Growth: Bottom 32.1% in tier
- Credit Quality Pressure: Bottom 37.1% in tier
- Margin Compression: Bottom 37.7% in tier
- Indirect Auto Dependency: Bottom 98.4% in tier
- AMR Growth Rate: Bottom 0.7% in tier
- Total Loans: Bottom 2.4% in tier
- Loan-to-Share Ratio: Bottom 2.6% in tier
- Net Interest Margin (NIM): Bottom 8.0% in tier
- Total Members: Bottom 8.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	6,473 +23.0% YoY-0.4% QoQ	-9.0K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	Bottom 8.0% in tier
Assets	$140.0M +1.7% YoY+2.3% QoQ	$-91.8M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	26%
Loans	$40.2M +6.6% YoY-0.5% QoQ	$-107.1M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	Bottom 2.3% in tier
Deposits	$118.7M +0.8% YoY+2.3% QoQ	$-82.1M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	24%

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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	1.0% -29.9% YoY-12.2% QoQ	+0.2%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	68%
NIM	2.6% -5.8% YoY-1.7% QoQ	-1.0%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	Bottom 7.9% in tier
Efficiency Ratio	68.8% +18.1% YoY+4.7% QoQ	-8.3%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.5% +110.1% YoY+57.2% QoQ	-0.3	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	36%
Loan To Share	33.9% +5.7% YoY-2.8% QoQ	-38.3%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	Bottom 2.5% in tier
AMR	$24,549 -16.9% YoY+2.0% QoQ	$-127	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	61%
CD Concentration	24.7% -5.7% YoY-0.7% QoQ	+0.3%	24.4%	25.1%	19.8%	50%
Indirect Auto %	19.7% +115.6% YoY+12.8% QoQ	+5.9%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#11 of 426 • Top 2.3% in tier

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

Why This Signature

Member Growth (YoY): 23.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 19.68%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#90 of 595 • Top 15.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 23.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 19.68%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#35 of 182 • Top 18.8% 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: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 23.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (6)

Shrinking Wallet Share

decline

#7 of 208 • Bottom 2.9% in tier

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

Why This Signature

AMR Growth (YoY): -16.88%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Cost Spiral

risk

#9 of 46 • Bottom 17.8% 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: 10.55% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 39.08%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY

Credit Risk Growth

risk

#147 of 456 • Bottom 32.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.63%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.29% 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

Credit Quality Pressure

risk

#262 of 705 • Bottom 37.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.29% 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 | Rank improving

Margin Compression

decline

#47 of 123 • Bottom 37.7% 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: 1.00%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.42%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.42% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Indirect Auto Dependency

risk

#498 of 506 • Bottom 98.4% in tier

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

Why This Signature

Asset Growth (YoY): 1.66%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 19.68%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 23.01%

(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 | 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 1069 peers in tier

Top Strengths (4 metrics)

Member Growth Rate

growth

Value: 23.01%

Peer Median: -

#19 of 1069 Top 1.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

164

Net Worth Ratio

risk

Value: 15.01%

Peer Median: -

#164 of 1069 Top 15.2% in 100M-500M tier

240

Efficiency Ratio

profitability

Value: 68.75%

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1063

AMR Growth Rate

growth

Value: -16.88%

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

1044

Total Loans

balance_sheet

Value: $40.21M

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

1042

Loan-to-Share Ratio

balance_sheet

Value: 33.88%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

985

Net Interest Margin (NIM)

profitability

Value: 2.65%

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

983

Total Members

engagement

Value: 6,473

Peer Median: -

#983 of 1069 Bottom 8.1% in 100M-500M tier

943

First Mortgage Concentration (%)

balance_sheet

Value: 52.18%

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier

914

Loan-to-Member Ratio (LMR)

engagement

Value: $6,212

Peer Median: -

#914 of 1069 Bottom 14.6% in 100M-500M tier

838

Deposit Growth Rate

growth

Value: 0.84%

Peer Median: -

#838 of 1069 Bottom 21.7% in 100M-500M tier

812

Total Deposits

balance_sheet

Value: $118.70M

Peer Median: -

#812 of 1069 Bottom 24.1% in 100M-500M tier

809

Asset Growth Rate

growth

Value: 1.66%

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier