BlastPoint's Credit Union Scorecard
OTIS
Charter #9349 · ME
OTIS has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.8% in tier
- + Relationship Depth Leader: Top 36.3% in tier
- + Profitability Leader: Top 50.1% in tier
- + Wallet Share Momentum: Top 71.7% in tier
- + ROA 0.67% above tier average
- + Strong member growth: 7.4% YoY
- + Loan Growth Rate: Top 2.8% in tier
- + Efficiency Ratio: Top 3.9% in tier
- + Member Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.9% in tier
- - Credit Quality Pressure: Bottom 11.1% in tier
- - Indirect Auto Dependency: Bottom 15.9% in tier
- - Liquidity Overhang: Bottom 71.4% in tier
- - Delinquency rate 0.19% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,371
+7.4% YoY+1.8% QoQ
|
-3.3K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$283.2M
+10.0% YoY+1.3% QoQ
|
+$51.9M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$131.6M
+22.1% YoY+5.0% QoQ
|
$-16.2M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$235.8M
+10.2% YoY+1.0% QoQ
|
+$35.5M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
1.5%
-1.4% YoY-4.9% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
Top 13.6% in tier |
| NIM |
3.0%
+8.2% YoY+0.9% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
54.6%
-3.0% YoY-0.7% QoQ
|
-22.7% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
1.0%
+37.3% YoY+24.3% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
55.8%
+10.8% YoY+4.0% QoQ
|
-16.9% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$29,695
+6.2% YoY+0.6% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
22.0%
+13.0% YoY+5.4% QoQ
|
-2.4% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.0%
+122.2% YoY+8.3% QoQ
|
+9.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)