BlastPoint's Credit Union Scorecard
CUMBERLAND COUNTY
Charter #9500 · ME
CUMBERLAND COUNTY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 23.0% in tier
- + Wallet Share Momentum: Top 48.5% in tier
- + ROA 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 0.8% in tier
- + Total Assets: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.02% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,310
+0.0% YoY+0.5% QoQ
|
+6.7K |
15,628
-3.4% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$476.7M
+7.3% YoY+2.0% QoQ
|
+$245.4M |
$231.3M
-0.0% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 1.9% in tier |
| Loans |
$269.6M
+8.2% YoY+3.4% QoQ
|
+$121.8M |
$147.8M
-1.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Top 10.5% in tier |
| Deposits |
$427.4M
+7.2% YoY+2.3% QoQ
|
+$227.1M |
$200.3M
-0.0% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 0.9% in tier |
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| ROA |
0.9%
+29.9% YoY-0.6% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
2.7%
+15.7% YoY+0.9% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
70.7%
-5.6% YoY+0.3% QoQ
|
-6.6% |
77.3%
-3.0% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.9%
-38.1% YoY-20.5% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
63.1%
+1.0% YoY+1.1% QoQ
|
-9.6% |
72.7%
-1.5% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$31,242
+7.6% YoY+2.2% QoQ
|
+$7K |
$24,363
+2.9% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
Top 13.8% in tier |
| CD Concentration |
30.0%
+7.5% YoY+1.1% QoQ
|
+5.6% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)