BlastPoint's Credit Union Scorecard

TOWN & COUNTRY

Charter #8486 · ME

Community 500M-750M

167 CUs in 500M-750M nationally 4 in ME

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TOWN & COUNTRY has 1 strength but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.4% in tier
- Efficiency Drag: Bottom 17.1% in tier
- Membership Headwinds: Bottom 62.6% in tier
- Stagnation Risk: Bottom 62.6% in tier
- ROA 0.39% below tier average
- Efficiency ratio 10.46% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	38,593 -1.0% YoY0% QoQ	+513	38,079 -4.8% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	56%
Assets	$627.6M +3.3% YoY+0.6% QoQ	+$8.0M	$619.7M -0.2% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	54%
Loans	$476.2M +1.0% YoY-0.4% QoQ	+$56.9M	$419.3M -1.4% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	72%
Deposits	$520.9M +1.2% YoY+1.9% QoQ	$-18.5M	$539.5M -0.1% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	41%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -487.6% YoY-8.9% QoQ	-0.4%	0.7% +36.0% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	23%
NIM	3.6% +8.1% YoY+2.5% QoQ	+0.1%	3.5% +4.5% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	88.8% -7.8% YoY+0.6% QoQ	+10.5%	78.4% -3.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.2% -33.1% YoY-40.2% QoQ	-0.5	0.7% -0.9% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	Top 10.2% in tier
Loan To Share	91.4% -0.2% YoY-2.3% QoQ	+13.7%	77.7% -1.2% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	84%
AMR	$25,838 +2.2% YoY+0.8% QoQ	$-1K	$26,927 +3.1% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	53%
CD Concentration	19.2% -5.2% YoY+2.1% QoQ	-5.1%	24.3%	25.4%	19.8%	32%
Indirect Auto %	12.6% -15.8% YoY-4.8% QoQ	-1.2%	13.8%	16.4%	7.7%	58%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#201 of 596 • Bottom 17.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.85%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.38% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#500 of 570 • Bottom 62.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#518 of 570 • Bottom 62.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.04%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.18%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#172 of 183 • Bottom 11.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.41%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.04%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.62%

#18 of 167 Top 10.2% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.41%

Peer Median: 79.97%

#26 of 167 Top 15.0% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: 0.39%

#32 of 167 Top 18.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.20%

Peer Median: 26.29%

#37 of 167 Top 21.6% in 500M-750M tier

Top Weaknesses (5 metrics)

150

Net Worth Ratio

risk

Value: 8.34%

Peer Median: 10.35%

#150 of 167 Bottom 10.8% in 500M-750M tier

142

Efficiency Ratio

profitability

Value: 88.85%

Peer Median: 78.61%

#142 of 167 Bottom 15.6% in 500M-750M tier

140

First Mortgage Concentration (%)

balance_sheet

Value: 47.76%

Peer Median: 32.87%

#140 of 167 Bottom 16.8% in 500M-750M tier

131

Deposit Growth Rate

growth

Value: 1.24%

Peer Median: 4.02%

#131 of 167 Bottom 22.2% in 500M-750M tier

129

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.61%

#129 of 167 Bottom 23.4% in 500M-750M tier