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 1.25% above tier average
- + Net Interest Margin 0.11% above tier average
- + Total Assets: Top 2.4% in tier
- + Total Loans: Top 2.7% in tier
- + Total Deposits: Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.8% in tier
- + Asset Growth Rate: Top 8.3% in tier
- + Average Member Relationship (AMR): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,452
+3.2% YoY+0.1% QoQ
|
+2.8K |
2,615
-1.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
Top 11.3% in tier |
| Assets |
$93.6M
+10.3% YoY+1.5% QoQ
|
+$63.4M |
$30.1M
+2.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Top 2.5% in tier |
| Loans |
$57.7M
+8.0% YoY-0.4% QoQ
|
+$41.9M |
$15.8M
-1.3% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Top 2.7% in tier |
| Deposits |
$78.1M
+10.0% YoY+1.4% QoQ
|
+$52.5M |
$25.7M
+1.4% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 3.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.9%
-6.5% YoY-2.8% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
Top 8.5% in tier |
| NIM |
4.1%
+1.4% YoY-1.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
60.3%
+0.3% YoY+0.2% QoQ
|
-22.3% |
82.6%
-2.3% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 12.0% in tier |
| Delinquency Rate |
0.1%
+34.1% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
73.8%
-1.9% YoY-1.8% QoQ
|
+13.2% |
60.6%
-3.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$24,912
+5.8% YoY+0.5% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
Top 8.5% in tier |
| CD Concentration |
20.6%
+10.5% YoY+0.9% QoQ
|
-3.9% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
24.4%
+40.0% YoY+4.6% QoQ
|
+10.6% | 13.8% | 15.9% | 7.8% | 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)