BlastPoint's Credit Union Scorecard
KATAHDIN
Charter #9348 · ME
KATAHDIN has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.66% above tier average
- + Net Worth Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Total Deposits: Bottom 5.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,856
-1.6% YoY+0.0% QoQ
|
-7.3K |
15,145
-2.5% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$109.7M
+4.9% YoY+1.8% QoQ
|
$-122.0M |
$231.7M
+0.8% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.9% in tier |
| Loans |
$71.0M
-2.6% YoY-1.7% QoQ
|
$-73.1M |
$144.1M
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$91.6M
+4.2% YoY+1.8% QoQ
|
$-109.5M |
$201.1M
+0.4% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.0% in tier |
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| ROA |
1.2%
-15.6% YoY-4.8% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
4.3%
+0.1% YoY-1.1% QoQ
|
+0.7% |
3.6%
+4.6% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
75.5%
+5.6% YoY+3.6% QoQ
|
-2.6% |
78.0%
-1.7% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.8%
+46.3% YoY-24.9% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
77.5%
-6.5% YoY-3.4% QoQ
|
+7.1% |
70.4%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$20,702
+2.8% YoY+0.3% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
24.2%
+4.9% YoY+3.3% QoQ
|
-0.1% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % |
22.1%
-1.6% YoY-0.2% QoQ
|
+8.3% | 13.8% | 16.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)