BlastPoint's Credit Union Scorecard
SEBASTICOOK VALLEY
Charter #8936 · ME
SEBASTICOOK VALLEY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.46% above tier average
- + Net Interest Margin 1.25% above tier average
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Efficiency Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +4.0% year over year ($144M in shares and deposits).
- Membership: 12,023 members, -1.9% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 2.32%.
- Efficiency ratio 57.59% vs a 76.73% peer average.
- Loan-to-share ratio 112.03% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,023
-1.9% YoY+0.0% QoQ
|
-3.1K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$186.2M
+3.8% YoY+2.0% QoQ
|
$-45.8M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$161.4M
+3.8% YoY+1.3% QoQ
|
+$15.1M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$144.0M
+4.0% YoY-0.2% QoQ
|
$-56.7M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
2.3%
+31.9% YoY+17.7% QoQ
|
+1.5% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
Top 1.5% in tier |
| NIM |
4.9%
+25.6% YoY+16.2% QoQ
|
+1.2% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
57.6%
-6.2% YoY-0.7% QoQ
|
-19.1% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
0.9%
+150.5% YoY+45.3% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
112.0%
-0.2% YoY+1.4% QoQ
|
+40.5% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 0.5% in tier |
| AMR |
$25,401
+5.9% YoY+0.6% QoQ
|
+$294 |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
20.7%
+5.6% YoY+8.7% QoQ
|
-3.9% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
14.7%
-8.9% YoY-5.0% QoQ
|
+1.1% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)