BlastPoint's Credit Union Scorecard
TOWN & COUNTRY
Charter #8486 · ME
TOWN & COUNTRY has 1 strength but faces 6 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 0.07% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.6% in tier
- - Efficiency Drag: Bottom 12.4% in tier
- - Membership Headwinds: Bottom 65.2% in tier
- - Stagnation Risk: Bottom 65.2% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 10.79% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,593
-1.1% YoY-0.6% QoQ
|
+17 |
38,575
-4.8% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$623.7M
+3.4% YoY+2.1% QoQ
|
+$2.0M |
$621.7M
+0.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$478.1M
+1.9% YoY+0.6% QoQ
|
+$48.2M |
$429.8M
-1.8% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$511.2M
+2.0% YoY+1.5% QoQ
|
$-27.5M |
$538.7M
+0.6% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.3%
+74.1% YoY+31.2% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
3.5%
+13.8% YoY+0.9% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
88.3%
-3.5% YoY-1.5% QoQ
|
+10.8% |
77.5%
-4.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
0.3%
-5.1% YoY-9.2% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
Top 12.7% in tier |
| Loan To Share |
93.5%
-0.0% YoY-0.8% QoQ
|
+13.7% |
79.8%
-2.3% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$25,632
+3.1% YoY+1.6% QoQ
|
$-1K |
$26,849
+2.7% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
18.8%
-6.1% YoY-0.7% QoQ
|
-5.6% | 24.4% | 25.1% | 19.8% | 30% |
| Indirect Auto % |
13.2%
-17.2% YoY-3.8% QoQ
|
-0.6% | 13.8% | 15.9% | 7.8% | 59% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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 shrinking at least 0.5% year-over-year. Declining 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)