BlastPoint's Credit Union Scorecard

CENTRAL MAINE

Charter #6936 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 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

+ Emerging Performer: Top 50.0% in tier
+ Strong member growth: 21.9% YoY
+ Member Growth Rate: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency ratio 0.07% above tier (higher cost structure)
- AMR Growth Rate: Bottom 1.5% in tier
- Loan-to-Share Ratio: Bottom 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	6,460 +21.9% YoY-0.2% QoQ	-8.7K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	Bottom 8.5% in tier
Assets	$143.1M +5.1% YoY+2.2% QoQ	$-88.6M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	27%
Loans	$43.1M +12.3% YoY+7.1% QoQ	$-101.1M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Bottom 3.6% in tier
Deposits	$121.7M +5.0% YoY+2.6% QoQ	$-79.4M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	25%

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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	0.7% -36.3% YoY-29.8% QoQ	+0.0%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	50%
NIM	2.4% -2.1% YoY-8.8% QoQ	-1.2%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	Bottom 3.6% in tier
Efficiency Ratio	78.1% +20.0% YoY+13.6% QoQ	+0.1%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.4% +146.6% YoY-33.7% QoQ	-0.4	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	27%
Loan To Share	35.4% +7.0% YoY+4.4% QoQ	-35.0%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Bottom 2.9% in tier
AMR	$25,511 -12.4% YoY+3.9% QoQ	+$593	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	64%
CD Concentration	24.1% +0.4% YoY-2.3% QoQ	-0.2%	24.3%	25.4%	19.8%	50%
Indirect Auto %	22.8% +87.3% YoY+15.9% QoQ	+9.0%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#65 of 157 • Top 50.0% 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: 0.70%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 21.86%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#16 of 238 • 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): -12.37%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#81 of 476 • 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): 12.35%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#29 of 83 • Bottom 50.0% 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: 13.02% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 42.60%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#319 of 727 • 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): 0.21% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#404 of 504 • 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): 5.07%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 22.81%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 21.86%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (4 metrics)

Member Growth Rate

growth

Value: 21.86%

Peer Median: -0.06%

#22 of 1070 Top 2.0% in 100M-500M tier

115

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.35%

#115 of 1070 Top 10.7% in 100M-500M tier

120

Loan Growth Rate

growth

Value: 12.35%

Peer Median: 2.93%

#120 of 1070 Top 11.1% in 100M-500M tier

168

Net Worth Ratio

risk

Value: 14.87%

Peer Median: 11.45%

#168 of 1070 Top 15.6% in 100M-500M tier

Top Weaknesses (8 metrics)

1055

AMR Growth Rate

growth

Value: -12.37%

Peer Median: 3.46%

#1055 of 1070 Bottom 1.5% in 100M-500M tier

1039

Loan-to-Share Ratio

balance_sheet

Value: 35.38%

Peer Median: 71.88%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1032

Net Interest Margin (NIM)

profitability

Value: 2.41%

Peer Median: 3.62%

#1032 of 1070 Bottom 3.6% in 100M-500M tier

1031

Total Loans

balance_sheet

Value: $43.07M

Peer Median: $121.41M

#1031 of 1070 Bottom 3.7% in 100M-500M tier

979

Total Members

engagement

Value: 6,460

Peer Median: 13,200

#979 of 1070 Bottom 8.6% in 100M-500M tier

890

First Mortgage Concentration (%)

balance_sheet

Value: 47.99%

Peer Median: 29.47%

#890 of 1070 Bottom 16.9% in 100M-500M tier

859

Loan-to-Member Ratio (LMR)

engagement

Value: $6,667

Peer Median: $9,356

#859 of 1070 Bottom 19.8% in 100M-500M tier

817

Indirect Auto Concentration (%)

balance_sheet

Value: 22.81%

Peer Median: 6.61%

#817 of 1070 Bottom 23.7% in 100M-500M tier