BlastPoint's Credit Union Scorecard

CASCO

Charter #9327 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

CASCO has 1 strength but faces 4 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

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.05% below tier average
- Efficiency ratio 7.50% 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	9,078 +0.3% YoY+0.2% QoQ	-6.4K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	24%
Assets	$117.4M +6.7% YoY-1.6% QoQ	$-114.5M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	Bottom 11.7% in tier
Loans	$73.8M +3.6% YoY+2.2% QoQ	$-73.6M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	19%
Deposits	$104.7M +6.8% YoY-2.6% QoQ	$-96.1M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	Bottom 14.1% in tier

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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	0.7% +17.7% YoY+3.0% QoQ	-0.1%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	46%
NIM	3.5% +4.3% YoY+0.4% QoQ	-0.1%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	42%
Efficiency Ratio	84.5% +0.7% YoY-1.2% QoQ	+7.5%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	77%
Delinquency Rate	0.2% -38.7% YoY-82.8% QoQ	-0.7	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	Top 10.0% in tier
Loan To Share	70.5% -3.0% YoY+5.0% QoQ	-1.7%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	43%
AMR	$19,658 +5.1% YoY-0.8% QoQ	$-5K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	32%
CD Concentration	22.4% +7.1% YoY+7.1% QoQ	-2.0%	24.4%	25.1%	19.8%	50%
Indirect Auto %	17.5% -15.7% YoY+0.1% QoQ	+3.7%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#491 of 513 • 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): 5.10%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk

#95 of 538 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 84.52%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#361 of 506 • 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): 6.67%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 17.46%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (2 metrics)

108

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

260

Members Per Employee (MPE)

engagement

Value: 378.250

Peer Median: -

#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (6 metrics)

944

Total Assets

balance_sheet

Value: $117.39M

Peer Median: -

#944 of 1069 Bottom 11.8% in 100M-500M tier

918

Total Deposits

balance_sheet

Value: $104.68M

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

870

Total Loans

balance_sheet

Value: $73.78M

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier

843

Net Worth Ratio

risk

Value: 9.57%

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier

823

Efficiency Ratio

profitability

Value: 84.52%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier

810

Total Members

engagement

Value: 9,078

Peer Median: -

#810 of 1069 Bottom 24.3% in 100M-500M tier