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BlastPoint's Credit Union Scorecard

GARDINER

Charter #8367 · ME

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

GARDINER has 7 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
  • + ROA 0.97% above tier average
  • + Efficiency Ratio: Top 5.0% in tier
  • + Total Delinquency Rate (60+ days): Top 6.4% in tier
  • + Asset Growth Rate: Top 9.2% in tier
  • + Deposit Growth Rate: Top 9.2% in tier
  • + Members Per Employee (MPE): Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Total Assets: Bottom 0.3% in tier
  • - Total Deposits: Bottom 1.0% in tier
  • - Total Members: Bottom 4.8% in tier
  • - Total Loans: Bottom 9.3% 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 +10.0% year over year ($84.1M in shares and deposits).
  • Membership: 5,546 members, +2.4% vs a year ago.
  • Delinquency rate 0.12%.
  • Return on assets 1.83%.
  • Efficiency ratio 56.49% vs a 76.73% peer average.
  • Loan-to-share ratio 67.96% 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 5,546
+2.4% YoY+1.0% QoQ
 -9.6K 15,168
-2.6% YoY
 16,125
+1.5% YoY
 34,678
+6.6% YoY
 Bottom 4.7% in tier
Assets $100.7M
+10.2% YoY+2.1% QoQ
 $-131.3M $232.0M
+0.7% YoY
 $282.5M
+5.4% YoY
 $593.1M
+10.2% YoY
 Bottom 0.2% in tier
Loans $57.1M
+1.1% YoY+1.5% QoQ
 $-89.1M $146.3M
+0.2% YoY
 $195.0M
+5.1% YoY
 $418.6M
+10.1% YoY
 Bottom 9.2% in tier
Deposits $84.1M
+10.0% YoY+2.0% QoQ
 $-116.7M $200.7M
+0.2% YoY
 $246.1M
+4.8% YoY
 $504.8M
+10.3% YoY
 Bottom 0.9% in tier

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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 1.8%
-8.5% YoY+4.4% QoQ
 +1.0% 0.9%
+12.5% YoY
 0.8%
-4.3% YoY
 1.2%
+121.4% YoY
 Top 5.5% in tier
NIM 3.7%
-11.9% YoY-1.8% QoQ
 +0.0% 3.7%
+4.5% YoY
 3.6%
+1.9% YoY
 3.8%
+2.3% YoY
 49%
Efficiency Ratio 56.5%
-4.9% YoY-2.8% QoQ
 -20.2% 76.7%
-0.8% YoY
 78.1%
+1.5% YoY
 83.0%
-5.3% YoY
 Top 5.0% in tier
Delinquency Rate 0.1%
+34.2% YoY-23.5% QoQ
 -0.8 0.9%
+6.6% YoY
 0.9%
+26.9% YoY
 1.3%
+2.6% YoY
 Top 6.4% in tier
Loan To Share 68.0%
-8.1% YoY-0.4% QoQ
 -3.6% 71.5%
-0.3% YoY
 74.1%
-1.3% YoY
 66.4%
-1.4% YoY
 40%
AMR $25,456
+3.8% YoY+0.8% QoQ
 +$350 $25,107
+3.2% YoY
 $26,047
+3.5% YoY
 $20,028
-0.9% YoY
 63%
CD Concentration 21.4%
+7.7% YoY+2.9% QoQ
 -3.2% 24.6% 25.5% 20.0% 50%
Indirect Auto % 26.9%
+23.8% YoY+6.1% QoQ
 +13.2% 13.6% 16.8% 7.7% 50%

Signature Analysis

Strengths (1)

Emerging Performer

growth
#48 of 175 • 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: 1.83%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Member Growth (YoY): 2.38%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk
#116 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): 10.17%
(Tier: 4.62%, National: 3.30%)
but better than tier avg
Indirect Auto %: 26.87%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 2.38%
(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

Margin Compression

decline
#89 of 140 • Bottom 50.0% 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: 1.83%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 2.01%
(Tier: 0.75%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.17% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally
→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk
#620 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): 0.03% points
(Tier: 0.04% points, National: 0.08% points)
but better than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk
#466 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): 1.13%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.08% points)
but better than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 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)

Comparing against 1024 peers in tier

Top Strengths (9 metrics)

52
Efficiency Ratio
profitability
Value: 56.49%
Peer Median: 77.26%
#52 of 1024 Top 5.0% in 100M-500M tier
56
Return on Assets (ROA)
profitability
Value: 1.83%
Peer Median: 0.75%
#56 of 1024 Top 5.4% in 100M-500M tier
67
Total Delinquency Rate (60+ days)
risk
Value: 0.12%
Peer Median: 0.71%
#67 of 1024 Top 6.4% in 100M-500M tier
95
Asset Growth Rate
growth
Value: 10.17%
Peer Median: 4.12%
#95 of 1024 Top 9.2% in 100M-500M tier
95
Deposit Growth Rate
growth
Value: 10.04%
Peer Median: 3.58%
#95 of 1024 Top 9.2% in 100M-500M tier
95
Members Per Employee (MPE)
engagement
Value: 462.167
Peer Median: 310.924
#95 of 1024 Top 9.2% in 100M-500M tier
127
Net Worth Ratio
risk
Value: 15.92%
Peer Median: 11.71%
#127 of 1024 Top 12.3% in 100M-500M tier
231
Net Charge-Off Rate
risk
Value: 0.14%
Peer Median: 0.34%
#231 of 1024 Top 22.5% in 100M-500M tier
246
Member Growth Rate
growth
Value: 2.38%
Peer Median: -0.03%
#246 of 1024 Top 23.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1022
Total Assets
balance_sheet
Value: $100.71M
Peer Median: $196.38M
#1022 of 1024 Bottom 0.3% in 100M-500M tier
1015
Total Deposits
balance_sheet
Value: $84.06M
Peer Median: $170.77M
#1015 of 1024 Bottom 1.0% in 100M-500M tier
976
Total Members
engagement
Value: 5,546
Peer Median: 13,128
#976 of 1024 Bottom 4.8% in 100M-500M tier
930
Total Loans
balance_sheet
Value: $57.12M
Peer Median: $124.04M
#930 of 1024 Bottom 9.3% in 100M-500M tier
832
Indirect Auto Concentration (%)
balance_sheet
Value: 26.87%
Peer Median: 6.15%
#832 of 1024 Bottom 18.8% in 100M-500M tier
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