BlastPoint's Credit Union Scorecard

KATAHDIN

Charter #9348 · ME

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

KATAHDIN has 3 strengths but faces 9 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

+ ROA 0.52% above tier average
+ Net Interest Margin 0.73% above tier average
+ Net Worth Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 34.0% in tier
- Indirect Auto Dependency: Bottom 41.0% in tier
- Stagnation Risk: Bottom 50.3% in tier
- Membership Headwinds: Bottom 74.5% in tier
- Liquidity Overhang: Bottom 86.6% in tier
- Institutional Decline: Bottom 96.2% in tier
- Delinquency rate 0.13% above tier average
- Total Deposits: Bottom 3.2% in tier
- Total Assets: Bottom 5.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	7,855 -1.5% YoY-0.9% QoQ	-7.6K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	16%
Assets	$107.8M +7.4% YoY+1.2% QoQ	$-124.0M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	Bottom 5.1% in tier
Loans	$72.2M -1.6% YoY+0.5% QoQ	$-75.1M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	17%
Deposits	$90.0M +6.9% YoY+1.0% QoQ	$-110.8M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	Bottom 3.1% 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	1.3% +4.1% YoY+7.4% QoQ	+0.5%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	83%
NIM	4.3% -0.8% YoY+0.9% QoQ	+0.7%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	Top 13.4% in tier
Efficiency Ratio	72.9% +2.6% YoY-1.5% QoQ	-4.2%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	33%
Delinquency Rate	1.0% +43.7% YoY+3.8% QoQ	+0.1	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	70%
Loan To Share	80.3% -8.0% YoY-0.5% QoQ	+8.1%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	65%
AMR	$20,649 +4.5% YoY+1.7% QoQ	$-4K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	38%
CD Concentration	23.4% -1.7% YoY+1.2% QoQ	-1.0%	24.4%	25.1%	19.8%	50%
Indirect Auto %	22.2% -1.2% YoY-1.2% QoQ	+8.4%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#240 of 705 • Bottom 34.0% 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: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#208 of 506 • Bottom 41.0% 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: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 22.16%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.50%

(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

Stagnation Risk

risk

#279 of 554 • Bottom 50.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.50%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.63%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.02%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#413 of 554 • Bottom 74.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.50%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Liquidity Overhang

risk

#117 of 135 • Bottom 86.6% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.46%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 80.30%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Institutional Decline

decline

#231 of 240 • Bottom 96.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $107.83M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.50%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.63%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | 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 1069 peers in tier

Top Strengths (3 metrics)

101

Net Worth Ratio

risk

Value: 16.46%

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

143

Net Interest Margin (NIM)

profitability

Value: 4.34%

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

177

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1036

Total Deposits

balance_sheet

Value: $89.96M

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

1015

Total Assets

balance_sheet

Value: $107.83M

Peer Median: -

#1015 of 1069 Bottom 5.1% in 100M-500M tier

898

Total Members

engagement

Value: 7,855

Peer Median: -

#898 of 1069 Bottom 16.1% in 100M-500M tier

894

Fee Income Per Member

profitability

Value: $104.29

Peer Median: -

#894 of 1069 Bottom 16.5% in 100M-500M tier

886

Total Loans

balance_sheet

Value: $72.24M

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

814

Indirect Auto Concentration (%)

balance_sheet

Value: 22.16%

Peer Median: -

#814 of 1069 Bottom 23.9% in 100M-500M tier

807

Loan Growth Rate

growth

Value: -1.63%

Peer Median: -

#807 of 1069 Bottom 24.6% in 100M-500M tier