BlastPoint's Credit Union Scorecard

CASCO

Charter #9327 · ME

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

CASCO has 2 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
  • + Emerging Performer: Top 50.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency ratio 6.90% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 9,134
+1.5% YoY+0.6% QoQ
 -6.0K 15,145
-2.5% YoY
 16,050
+1.9% YoY
 33,913
+5.7% YoY
 25%
Assets $121.4M
+7.3% YoY+3.4% QoQ
 $-110.3M $231.7M
+0.8% YoY
 $279.7M
+5.3% YoY
 $578.3M
+9.0% YoY
 Bottom 14.3% in tier
Loans $74.5M
+6.5% YoY+1.0% QoQ
 $-69.7M $144.1M
+0.2% YoY
 $190.6M
+4.6% YoY
 $402.4M
+8.7% YoY
 21%
Deposits $108.8M
+7.1% YoY+3.9% QoQ
 $-92.4M $201.1M
+0.4% YoY
 $245.5M
+5.2% YoY
 $494.3M
+9.1% YoY
 16%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.7%
+8.5% YoY+5.2% QoQ
 +0.0% 0.7%
+5.1% YoY
 0.8%
+5.6% YoY
 0.4%
-39.2% YoY
 54%
NIM 3.6%
+6.5% YoY+3.9% QoQ
 +0.0% 3.6%
+4.6% YoY
 3.5%
+1.0% YoY
 3.8%
+4.1% YoY
 51%
Efficiency Ratio 84.9%
-0.8% YoY+0.5% QoQ
 +6.9% 78.0%
-1.7% YoY
 77.8%
-1.1% YoY
 84.6%
+2.8% YoY
 71%
Delinquency Rate 0.4%
+223.6% YoY+114.6% QoQ
 -0.3 0.8%
+7.1% YoY
 0.7%
+13.3% YoY
 1.2%
+3.4% YoY
 36%
Loan To Share 68.5%
-0.5% YoY-2.8% QoQ
 -1.9% 70.4%
-0.4% YoY
 72.9%
-1.6% YoY
 65.6%
-1.4% YoY
 43%
AMR $20,063
+5.3% YoY+2.1% QoQ
 $-5K $24,918
+2.7% YoY
 $25,927
+3.7% YoY
 $19,920
+1.6% YoY
 32%
CD Concentration 21.9%
+1.3% YoY-2.2% QoQ
 -2.4% 24.3% 25.4% 19.8% 50%
Indirect Auto % 18.9%
-1.5% YoY+8.4% QoQ
 +5.1% 13.8% 16.4% 7.7% 50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#453 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): 5.33%
(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 | Rank worsening

Emerging Performer

growth
#152 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.75%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 1.46%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk
#149 of 596 • 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: 84.92%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.06% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 1.46%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk
#139 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.53%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.31% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk
#230 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#309 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): 7.35%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 18.92%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.46%
(Tier: 0.72%, National: 10.19%)
but better 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)

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

222
Members Per Employee (MPE)
engagement
Value: 397.130
Peer Median: 309.176
#222 of 1070 Top 20.7% in 100M-500M tier
234
Deposit Growth Rate
growth
Value: 7.09%
Peer Median: 3.30%
#234 of 1070 Top 21.8% in 100M-500M tier
238
Asset Growth Rate
growth
Value: 7.35%
Peer Median: 3.91%
#238 of 1070 Top 22.1% in 100M-500M tier

Top Weaknesses (4 metrics)

917
Total Assets
balance_sheet
Value: $121.40M
Peer Median: $196.57M
#917 of 1070 Bottom 14.4% in 100M-500M tier
894
Total Deposits
balance_sheet
Value: $108.77M
Peer Median: $171.29M
#894 of 1070 Bottom 16.5% in 100M-500M tier
855
Net Worth Ratio
risk
Value: 9.44%
Peer Median: 11.45%
#855 of 1070 Bottom 20.2% in 100M-500M tier
850
Total Loans
balance_sheet
Value: $74.49M
Peer Median: $121.41M
#850 of 1070 Bottom 20.7% in 100M-500M tier
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