BlastPoint's Credit Union Scorecard

OTIS

Charter #9349 · ME

100M-500M

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

OTIS has 4 strengths but faces 6 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

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.51% above tier average
+ Loan Growth Rate: Top 7.5% in tier
+ Efficiency Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.48% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	12,477 +5.0% YoY+0.9% QoQ	-2.7K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	47%
Assets	$296.3M +8.0% YoY+2.8% QoQ	+$64.6M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	73%
Loans	$134.2M +14.2% YoY-0.1% QoQ	$-10.0M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	56%
Deposits	$247.4M +7.9% YoY+3.1% QoQ	+$46.3M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	70%

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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	1.2% -26.3% YoY-17.0% QoQ	+0.5%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	81%
NIM	2.9% -0.9% YoY-3.9% QoQ	-0.7%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	Bottom 12.0% in tier
Efficiency Ratio	61.2% +8.2% YoY+9.8% QoQ	-16.8%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	Top 9.7% in tier
Delinquency Rate	1.3% +78.8% YoY-9.4% QoQ	+0.5	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	85%
Loan To Share	54.2% +5.9% YoY-3.1% QoQ	-16.2%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	17%
AMR	$30,586 +4.8% YoY+1.1% QoQ	+$6K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	83%
CD Concentration	23.1% +14.2% YoY+3.9% QoQ	-1.2%	24.3%	25.4%	19.8%	50%
Indirect Auto %	24.2% +37.4% YoY+0.5% QoQ	+10.4%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#139 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.84%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.1K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (5)

Credit Risk Growth

risk

#15 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): 14.23%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.55% 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

Margin Compression

decline

#12 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.24%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.69%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.44% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#96 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): 0.55% 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 | Rank improving

Indirect Auto Dependency

risk

#258 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): 8.02%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 24.16%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.96%

(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

Liquidity Overhang

risk

#90 of 126 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 16.01%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 54.24%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 14.23%

Peer Median: 2.93%

#81 of 1070 Top 7.5% in 100M-500M tier

105

Efficiency Ratio

profitability

Value: 61.19%

Peer Median: 78.68%

#105 of 1070 Top 9.7% in 100M-500M tier

114

Member Growth Rate

growth

Value: 4.96%

Peer Median: -0.06%

#114 of 1070 Top 10.6% in 100M-500M tier

120

Net Worth Ratio

risk

Value: 16.01%

Peer Median: 11.45%

#120 of 1070 Top 11.1% in 100M-500M tier

186

Average Member Relationship (AMR)

engagement

Value: $30,586

Peer Median: $22,931

#186 of 1070 Top 17.3% in 100M-500M tier

189

Deposit Growth Rate

growth

Value: 7.89%

Peer Median: 3.30%

#189 of 1070 Top 17.6% in 100M-500M tier

190

Asset Growth Rate

growth

Value: 8.02%

Peer Median: 3.91%

#190 of 1070 Top 17.7% in 100M-500M tier

200

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.69%

#200 of 1070 Top 18.6% in 100M-500M tier

Top Weaknesses (4 metrics)

942

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Median: 3.62%

#942 of 1070 Bottom 12.1% in 100M-500M tier

907

Total Delinquency Rate (60+ days)

risk

Value: 1.25%

Peer Median: 0.61%

#907 of 1070 Bottom 15.3% in 100M-500M tier

892

Loan-to-Share Ratio

balance_sheet

Value: 54.24%

Peer Median: 71.88%

#892 of 1070 Bottom 16.7% in 100M-500M tier

836

Indirect Auto Concentration (%)

balance_sheet

Value: 24.16%

Peer Median: 6.61%

#836 of 1070 Bottom 22.0% in 100M-500M tier