BlastPoint's Credit Union Scorecard
KATAHDIN
Charter #9348 · ME
KATAHDIN has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 82.9% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.71% above tier average
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.7% in tier
- - Indirect Auto Dependency: Bottom 13.2% in tier
- - Stagnation Risk: Bottom 14.4% in tier
- - Membership Headwinds: Bottom 24.9% in tier
- - Margin Compression: Bottom 26.2% in tier
- - Institutional Decline: Bottom 31.6% in tier
- - Liquidity Overhang: Bottom 90.2% in tier
- - Delinquency rate 0.12% above tier average
- - Total Deposits: Bottom 2.5% in tier
- - Total Assets: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,924
-1.4% YoY-0.9% QoQ
|
-7.7K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$106.5M
+5.9% YoY-0.8% QoQ
|
$-124.8M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.6% in tier |
| Loans |
$71.9M
-2.7% YoY-1.5% QoQ
|
$-75.9M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$89.1M
+5.3% YoY-1.5% QoQ
|
$-111.2M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.4% in tier |
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| ROA |
1.2%
-9.5% YoY-0.0% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.3%
-2.3% YoY+1.3% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
73.9%
+6.4% YoY-0.4% QoQ
|
-3.3% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
1.0%
+49.2% YoY+9.4% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
80.7%
-7.5% YoY-0.0% QoQ
|
+8.0% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$20,311
+3.0% YoY-0.6% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
23.1%
+7.7% YoY-1.1% QoQ
|
-1.3% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.4%
+1.1% YoY+0.6% QoQ
|
+8.5% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)