BlastPoint's Credit Union Scorecard
GARDINER
Charter #8367 · ME
GARDINER has 11 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Loans: Top 2.4% in tier
- + Total Assets: Top 2.8% in tier
- + Total Deposits: Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Asset Growth Rate: Top 7.1% in tier
- + Deposit Growth Rate: Top 8.2% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
- + Member Growth Rate: Top 8.5% in tier
- + Loan Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,449
+4.0% YoY+0.6% QoQ
|
+2.8K |
2,625
-2.2% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
Top 11.6% in tier |
| Assets |
$92.2M
+10.7% YoY+0.8% QoQ
|
+$62.3M |
$29.9M
+1.1% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 2.9% in tier |
| Loans |
$57.9M
+11.3% YoY+2.5% QoQ
|
+$42.2M |
$15.8M
-2.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Top 2.5% in tier |
| Deposits |
$77.1M
+10.3% YoY+0.9% QoQ
|
+$51.7M |
$25.5M
+0.4% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 4.0% in tier |
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| ROA |
1.9%
-0.6% YoY-3.8% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
Top 10.2% in tier |
| NIM |
4.1%
+4.2% YoY-1.1% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
60.2%
-1.1% YoY+1.3% QoQ
|
-21.2% |
81.4%
-2.4% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
0.1%
+485.1% YoY+23.0% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
75.1%
+0.8% YoY+1.6% QoQ
|
+13.9% |
61.2%
-3.0% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$24,781
+6.5% YoY+1.0% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
Top 8.3% in tier |
| CD Concentration |
20.4%
+16.3% YoY+2.6% QoQ
|
-4.0% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.3%
+53.0% YoY+7.5% QoQ
|
+9.3% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)