BlastPoint's Credit Union Scorecard
TOWN & COUNTRY
Charter #8486 · ME
TOWN & COUNTRY has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does ME stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.8% in tier
- - Liquidity Strain: Bottom 15.4% in tier
- - Credit Quality Pressure: Bottom 49.0% in tier
- - Stagnation Risk: Bottom 60.4% in tier
- - Membership Headwinds: Bottom 60.4% in tier
- - Credit Risk Growth: Bottom 66.3% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 11.90% above tier (higher cost structure)
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Maine.
- Shares and deposits +2.4% year over year ($524M in shares and deposits).
- Membership: 38,666 members, -0.7% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.33%.
- Efficiency ratio 88.46% vs a 76.56% peer average.
- Loan-to-share ratio 90.97% vs a 79.33% 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 |
38,666
-0.7% YoY+0.2% QoQ
|
+768 |
37,897
-5.0% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$621.2M
+0.9% YoY-1.0% QoQ
|
$-1.2M |
$622.4M
+0.6% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$476.5M
+0.6% YoY+0.1% QoQ
|
+$48.0M |
$428.5M
-0.7% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$523.9M
+2.4% YoY+0.6% QoQ
|
$-15.9M |
$539.8M
+0.9% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.3%
+224.8% YoY+10.9% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.7%
+7.5% YoY+2.1% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
88.5%
-4.5% YoY-0.4% QoQ
|
+11.9% |
76.6%
-3.6% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
0.3%
+7.9% YoY+93.6% QoQ
|
-0.5 |
0.8%
+3.1% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
91.0%
-1.7% YoY-0.5% QoQ
|
+11.6% |
79.3%
-1.4% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$25,873
+2.3% YoY+0.1% QoQ
|
$-1K |
$27,294
+4.1% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
19.8%
+1.5% YoY+3.1% QoQ
|
-4.8% | 24.6% | 25.5% | 20.0% | 33% |
| Indirect Auto % |
12.3%
-13.4% YoY-2.4% QoQ
|
-1.4% | 13.6% | 16.8% | 7.7% | 58% |
Signature Analysis
Strengths (0)
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)