BlastPoint's Credit Union Scorecard

CASCO

Charter #9327 · ME

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

CASCO has 1 strength but faces 7 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 74.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.2% in tier
- Efficiency Drag: Bottom 5.2% in tier
- Indirect Auto Dependency: Bottom 15.9% in tier
- Credit Risk Growth: Bottom 17.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 8.24% above tier (higher cost structure)
- Delinquency rate 0.34% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	9,060 -0.3% YoY+0.4% QoQ	-6.6K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	23%
Assets	$119.2M +9.1% YoY+5.9% QoQ	$-112.1M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	Bottom 12.8% in tier
Loans	$72.2M +0.7% YoY+1.2% QoQ	$-75.6M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	17%
Deposits	$107.5M +9.5% YoY+6.5% QoQ	$-92.8M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	16%

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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% +20.6% YoY+1.7% QoQ	-0.1%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	44%
NIM	3.5% +3.4% YoY+0.4% QoQ	-0.1%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	85.5% +1.9% YoY-0.3% QoQ	+8.2%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	78%
Delinquency Rate	1.2% +370.2% YoY+627.1% QoQ	+0.3	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	78%
Loan To Share	67.1% -8.1% YoY-5.0% QoQ	-5.6%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	34%
AMR	$19,826 +6.1% YoY+3.9% QoQ	$-5K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	34%
CD Concentration	20.9% +10.1% YoY-4.6% QoQ	-3.5%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.4% -16.5% YoY-1.9% QoQ	+3.5%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#357 of 481 • Top 74.2% in tier

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

Why This Signature

AMR Growth (YoY): 6.13%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#55 of 736 • Bottom 2.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.94% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk

#92 of 521 • Bottom 5.2% in tier

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

Why This Signature

Efficiency Ratio: 85.52%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.12% points

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

but better than tier avg

Member Growth (YoY): -0.32%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#256 of 525 • Bottom 15.9% in tier

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

Why This Signature

Asset Growth (YoY): 9.08%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 17.44%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.32%

(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

Credit Risk Growth

risk

#256 of 446 • Bottom 17.0% in tier

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

Why This Signature

Loan Growth (YoY): 0.68%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.94% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

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 (3 metrics)

140

Deposit Growth Rate

growth

Value: 9.52%

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

163

Asset Growth Rate

growth

Value: 9.08%

Peer Avg: -

#163 of 1077 Top 15.0% in 100M-500M tier

230

Members Per Employee (MPE)

engagement

Value: 393.913

Peer Avg: -

#230 of 1077 Top 21.3% in 100M-500M tier

Top Weaknesses (7 metrics)

939

Total Assets

balance_sheet

Value: $119.25M

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

905

Total Deposits

balance_sheet

Value: $107.47M

Peer Avg: -

#905 of 1077 Bottom 16.1% in 100M-500M tier

900

Net Worth Ratio

risk

Value: 9.22%

Peer Avg: -

#900 of 1077 Bottom 16.5% in 100M-500M tier

895

Total Loans

balance_sheet

Value: $72.16M

Peer Avg: -

#895 of 1077 Bottom 17.0% in 100M-500M tier

842

Efficiency Ratio

profitability

Value: 85.52%

Peer Avg: -

#842 of 1077 Bottom 21.9% in 100M-500M tier

836

Total Delinquency Rate (60+ days)

risk

Value: 1.19%

Peer Avg: -

#836 of 1077 Bottom 22.5% in 100M-500M tier

828

Total Members

engagement

Value: 9,060

Peer Avg: -

#828 of 1077 Bottom 23.2% in 100M-500M tier