BlastPoint's Credit Union Scorecard
GARDINER
Charter #8367 · ME
GARDINER has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.61% above tier average
- + Total Assets: Top 0.3% in tier
- + Total Deposits: Top 1.7% in tier
- + Total Loans: Top 2.6% in tier
- + Asset Growth Rate: Top 5.8% in tier
- + Deposit Growth Rate: Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.5% in tier
- + Average Member Relationship (AMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,489
+2.3% YoY+0.7% QoQ
|
+2.8K |
2,676
+1.6% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$98.6M
+11.4% YoY+5.4% QoQ
|
+$68.5M |
$30.2M
+1.3% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
Top 0.4% in tier |
| Loans |
$56.3M
+2.7% YoY-2.5% QoQ
|
+$41.0M |
$15.3M
-2.0% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
Top 2.7% in tier |
| Deposits |
$82.4M
+11.1% YoY+5.5% QoQ
|
+$56.6M |
$25.8M
+0.7% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
Top 1.8% in tier |
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| ROA |
1.8%
+2.9% YoY-6.2% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
Top 9.8% in tier |
| NIM |
3.7%
-6.6% YoY-8.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
58.1%
-6.9% YoY-3.6% QoQ
|
-32.5% |
90.6%
+6.5% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
0.2%
+6.3% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
68.2%
-7.5% YoY-7.5% QoQ
|
+9.7% |
58.5%
-3.0% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$25,265
+5.1% YoY+1.4% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 8.2% in tier |
| CD Concentration |
20.8%
+12.4% YoY+1.1% QoQ
|
-3.5% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % |
25.3%
+29.0% YoY+3.9% QoQ
|
+11.5% | 13.8% | 16.4% | 7.7% | 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)