BlastPoint's Credit Union Scorecard

SEBASTICOOK VALLEY

Charter #8936 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

SEBASTICOOK VALLEY has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.24% above tier average
+ Net Interest Margin 0.61% above tier average
+ Loan-to-Share Ratio: Top 0.5% in tier
+ Efficiency Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Member decline: -2.7% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	12,022 -2.7% YoY-0.1% QoQ	-3.1K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	44%
Assets	$182.6M +4.5% YoY-2.1% QoQ	$-49.1M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	45%
Loans	$159.4M +3.1% YoY-0.6% QoQ	+$15.2M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	65%
Deposits	$144.3M +7.5% YoY+1.7% QoQ	$-56.9M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	37%

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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	2.0% +27.1% YoY+3.3% QoQ	+1.2%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	Top 4.1% in tier
NIM	4.2% +11.0% YoY+7.7% QoQ	+0.6%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	58.0% -10.7% YoY-1.5% QoQ	-20.0%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	Top 5.9% in tier
Delinquency Rate	0.6% -5.8% YoY-9.0% QoQ	-0.1	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	52%
Loan To Share	110.4% -4.2% YoY-2.3% QoQ	+40.0%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	Top 0.6% in tier
AMR	$25,258 +8.0% YoY+0.6% QoQ	+$339	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	63%
CD Concentration	19.0% -7.5% YoY-7.1% QoQ	-5.3%	24.3%	25.4%	19.8%	50%
Indirect Auto %	15.5% -5.0% YoY+5.3% QoQ	+1.7%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#203 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.01%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#32 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 110.45%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.05%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

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

Membership Headwinds

decline

#288 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

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

Stagnation Risk

risk

#343 of 570 • Bottom 50.0% 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): -2.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.05%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.64%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

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

Indirect Auto Dependency

risk

#394 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.48%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.51%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (10 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 110.45%

Peer Median: 71.88%

#6 of 1070 Top 0.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.97%

Peer Median: 0.69%

#44 of 1070 Top 4.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.99%

Peer Median: 78.68%

#64 of 1070 Top 5.9% in 100M-500M tier

147

Net Worth Ratio

risk

Value: 15.20%

Peer Median: 11.45%

#147 of 1070 Top 13.6% in 100M-500M tier

151

Members Per Employee (MPE)

engagement

Value: 429.357

Peer Median: 309.176

#151 of 1070 Top 14.0% in 100M-500M tier

159

AMR Growth Rate

growth

Value: 8.01%

Peer Median: 3.46%

#159 of 1070 Top 14.8% in 100M-500M tier

175

Net Interest Margin (NIM)

profitability

Value: 4.24%

Peer Median: 3.62%

#175 of 1070 Top 16.3% in 100M-500M tier

185

Loan-to-Member Ratio (LMR)

engagement

Value: $13,256

Peer Median: $9,356

#185 of 1070 Top 17.2% in 100M-500M tier

191

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#191 of 1070 Top 17.8% in 100M-500M tier

204

Deposit Growth Rate

growth

Value: 7.54%

Peer Median: 3.30%

#204 of 1070 Top 19.0% in 100M-500M tier

Top Weaknesses (1 metrics)

831

Member Growth Rate

growth

Value: -2.66%

Peer Median: -0.06%

#831 of 1070 Bottom 22.4% in 100M-500M tier