BlastPoint's Credit Union Scorecard

OTIS

Charter #9349 · ME

100M-500M

1024 CUs in 100M-500M nationally 33 in ME

OTIS has 2 strengths but faces 7 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 0.40% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.68% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
Shares and deposits +7.1% year over year ($250M in shares and deposits).
Membership: 12,571 members, +3.5% vs a year ago.
Delinquency rate 1.56%.
Return on assets 1.27%.
Efficiency ratio 62.25% vs a 76.73% peer average.
Loan-to-share ratio 54.84% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	12,571 +3.5% YoY+0.8% QoQ	-2.6K	15,168 -2.6% YoY	16,125 +1.5% YoY	34,678 +6.6% YoY	47%
Assets	$300.3M +7.4% YoY+1.3% QoQ	+$68.3M	$232.0M +0.7% YoY	$282.5M +5.4% YoY	$593.1M +10.2% YoY	73%
Loans	$137.1M +9.5% YoY+2.2% QoQ	$-9.1M	$146.3M +0.2% YoY	$195.0M +5.1% YoY	$418.6M +10.1% YoY	56%
Deposits	$250.1M +7.1% YoY+1.1% QoQ	+$49.4M	$200.7M +0.2% YoY	$246.1M +4.8% YoY	$504.8M +10.3% YoY	72%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% -17.2% YoY+2.0% QoQ	+0.4%	0.9% +12.5% YoY	0.8% -4.3% YoY	1.2% +121.4% YoY	79%
NIM	3.0% -0.2% YoY+2.5% QoQ	-0.7%	3.7% +4.5% YoY	3.6% +1.9% YoY	3.8% +2.3% YoY	Bottom 13.2% in tier
Efficiency Ratio	62.3% +13.3% YoY+1.7% QoQ	-14.5%	76.7% -0.8% YoY	78.1% +1.5% YoY	83.0% -5.3% YoY	Top 10.9% in tier
Delinquency Rate	1.6% +85.0% YoY+24.6% QoQ	+0.7	0.9% +6.6% YoY	0.9% +26.9% YoY	1.3% +2.6% YoY	Bottom 13.0% in tier
Loan To Share	54.8% +2.2% YoY+1.1% QoQ	-16.7%	71.5% -0.3% YoY	74.1% -1.3% YoY	66.4% -1.4% YoY	17%
AMR	$30,802 +4.3% YoY+0.7% QoQ	+$6K	$25,107 +3.2% YoY	$26,047 +3.5% YoY	$20,028 -0.9% YoY	83%
CD Concentration	23.0% +10.2% YoY-0.3% QoQ	-1.5%	24.6%	25.5%	20.0%	50%
Indirect Auto %	23.8% +12.0% YoY-1.5% QoQ	+10.2%	13.6%	16.8%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#154 of 262 • 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): 4.31%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.1K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (6)

Credit Risk Growth

risk

#28 of 472 • 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): 9.50%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.72% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#81 of 693 • 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): 0.72% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Margin Compression

decline

#39 of 140 • 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: 1.27%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.53%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk

#27 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.31% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 54.94%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#240 of 476 • 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): 7.36%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 23.79%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 3.48%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Liquidity Overhang

risk

#90 of 130 • 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: 16.12%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 54.84%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (9 metrics)

113

Efficiency Ratio

profitability

Value: 62.25%

Peer Median: 77.26%

#113 of 1024 Top 10.9% in 100M-500M tier

120

Net Worth Ratio

risk

Value: 16.12%

Peer Median: 11.71%

#120 of 1024 Top 11.6% in 100M-500M tier

166

Member Growth Rate

growth

Value: 3.48%

Peer Median: -0.03%

#166 of 1024 Top 16.1% in 100M-500M tier

176

Average Member Relationship (AMR)

engagement

Value: $30,802

Peer Median: $23,006

#176 of 1024 Top 17.1% in 100M-500M tier

177

Loan Growth Rate

growth

Value: 9.50%

Peer Median: 3.02%

#177 of 1024 Top 17.2% in 100M-500M tier

212

Deposit Growth Rate

growth

Value: 7.10%

Peer Median: 3.58%

#212 of 1024 Top 20.6% in 100M-500M tier

212

Members Per Employee (MPE)

engagement

Value: 392.844

Peer Median: 310.924

#212 of 1024 Top 20.6% in 100M-500M tier

213

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: 0.75%

#213 of 1024 Top 20.7% in 100M-500M tier

219

Asset Growth Rate

growth

Value: 7.36%

Peer Median: 4.12%

#219 of 1024 Top 21.3% in 100M-500M tier

Top Weaknesses (4 metrics)

892

Total Delinquency Rate (60+ days)

risk

Value: 1.56%

Peer Median: 0.71%

#892 of 1024 Bottom 13.0% in 100M-500M tier

889

Net Interest Margin (NIM)

profitability

Value: 2.99%

Peer Median: 3.67%

#889 of 1024 Bottom 13.3% in 100M-500M tier

852

Loan-to-Share Ratio

balance_sheet

Value: 54.84%

Peer Median: 73.07%

#852 of 1024 Bottom 16.9% in 100M-500M tier

796

Indirect Auto Concentration (%)

balance_sheet

Value: 23.79%

Peer Median: 6.15%

#796 of 1024 Bottom 22.4% in 100M-500M tier