BlastPoint's Credit Union Scorecard
TOWN & COUNTRY
Charter #8486 · ME
TOWN & COUNTRY has 2 strengths 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
- + Credit Quality Leader: Top 80.8% in tier
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.8% in tier
- - Flatlined Growth: Bottom 16.5% in tier
- - Liquidity Strain: Bottom 20.2% in tier
- - Membership Headwinds: Bottom 23.2% in tier
- - Stagnation Risk: Bottom 27.9% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 11.58% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,818
-1.5% YoY-0.3% QoQ
|
-934 |
39,752
-2.7% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$610.9M
+0.7% YoY-0.8% QoQ
|
$-11.5M |
$622.4M
+0.3% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$475.0M
+3.3% YoY+0.3% QoQ
|
+$39.1M |
$435.9M
-0.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$503.9M
-1.6% YoY-1.5% QoQ
|
$-34.2M |
$538.0M
+1.3% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
0.3%
+119.6% YoY+145.3% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.5%
+14.6% YoY+1.9% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
89.7%
-3.7% YoY-3.2% QoQ
|
+11.6% |
78.1%
-3.4% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
0.3%
-11.0% YoY+2.7% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
94.3%
+5.0% YoY+1.9% QoQ
|
+13.3% |
81.0%
-1.8% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$25,217
+2.3% YoY-0.3% QoQ
|
$-1K |
$26,482
+2.6% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
18.9%
-10.3% YoY-3.0% QoQ
|
-5.5% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
30% |
| Indirect Auto % |
13.7%
-20.0% YoY-3.0% QoQ
|
-0.2% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
60% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)