BlastPoint's Credit Union Scorecard

SEBASTICOOK VALLEY

Charter #8936 · ME

1077 CUs in 100M-500M nationally 33 in ME

SEBASTICOOK VALLEY has 6 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

+ Profitability Leader: Top 14.8% in tier
+ Wallet Share Momentum: Top 66.5% in tier
+ ROA 1.09% above tier average
+ Net Interest Margin 0.39% above tier average
+ Loan-to-Share Ratio: Top 0.3% in tier
+ Efficiency Ratio: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.2% in tier
- Liquidity Strain: Bottom 5.0% in tier
- Membership Headwinds: Bottom 19.0% in tier
- Indirect Auto Dependency: Bottom 23.4% in tier
- Member decline: -2.1% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	12,123 -2.1% YoY-1.1% QoQ	-3.5K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	43%
Assets	$180.5M +5.3% YoY+0.6% QoQ	$-50.8M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	44%
Loans	$157.7M +3.6% YoY+1.4% QoQ	+$9.9M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	63%
Deposits	$138.8M +4.8% YoY+0.2% QoQ	$-61.5M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	35%

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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	1.9% +10.5% YoY+6.7% QoQ	+1.1%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	Top 4.3% in tier
NIM	4.0% +4.1% YoY+1.3% QoQ	+0.4%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	59.6% -5.1% YoY-3.0% QoQ	-17.7%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	Bottom 8.1% in tier
Delinquency Rate	0.5% -48.4% YoY+22.5% QoQ	-0.4	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	33%
Loan To Share	113.6% -1.2% YoY+1.2% QoQ	+40.9%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Top 0.4% in tier
AMR	$24,451 +6.4% YoY+1.9% QoQ	+$87	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	62%
CD Concentration	19.8% +2.0% YoY+1.3% QoQ	-4.6%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.5% -8.9% YoY-4.0% QoQ	+1.6%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#51 of 340 • Top 14.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.88%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Wallet Share Momentum

growth

#320 of 481 • Top 66.5% in tier

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

Why This Signature

AMR Growth (YoY): 6.41%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#54 of 550 • Bottom 3.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.62%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.45%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk

#40 of 258 • Bottom 5.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 113.62%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.62%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Membership Headwinds

decline

#314 of 550 • Bottom 19.0% in tier

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

Why This Signature

Member Growth (YoY): -2.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#377 of 525 • Bottom 23.4% in tier

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

Why This Signature

Asset Growth (YoY): 5.33%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 15.53%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 113.62%

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.88%

Peer Avg: -

#46 of 1077 Top 4.2% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.60%

Peer Avg: -

#88 of 1077 Top 8.1% in 100M-500M tier

147

Members Per Employee (MPE)

engagement

Value: 432.964

Peer Avg: -

#147 of 1077 Top 13.6% in 100M-500M tier

191

Loan-to-Member Ratio (LMR)

engagement

Value: $13,005

Peer Avg: -

#191 of 1077 Top 17.6% in 100M-500M tier

204

Net Worth Ratio

risk

Value: 14.35%

Peer Avg: -

#204 of 1077 Top 18.8% in 100M-500M tier

252

AMR Growth Rate

growth

Value: 6.41%

Peer Avg: -

#252 of 1077 Top 23.3% in 100M-500M tier

Top Weaknesses (1 metrics)

810

Member Growth Rate

growth

Value: -2.09%

Peer Avg: -

#810 of 1077 Bottom 24.9% in 100M-500M tier