BlastPoint's Credit Union Scorecard

CUMBERLAND COUNTY

Charter #9500 · ME

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

CUMBERLAND COUNTY has 5 strengths but faces 3 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
  • + Wallet Share Momentum: Top 50.0% in tier
  • + ROA 0.21% above tier average
  • + Total Deposits: Top 0.6% in tier
  • + Total Assets: Top 2.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Delinquency rate 0.57% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 21,961
-0.2% YoY-1.6% QoQ
 +6.5K 15,437
-2.9% YoY
 15,963
+1.6% YoY
 33,374
+5.7% YoY
 81%
Assets $479.5M
+5.7% YoY+0.6% QoQ
 +$247.7M $231.9M
+1.3% YoY
 $273.7M
+6.0% YoY
 $561.6M
+9.7% YoY
 Top 2.1% in tier
Loans $269.2M
+7.6% YoY-0.2% QoQ
 +$121.8M $147.3M
-0.1% YoY
 $190.1M
+4.4% YoY
 $397.0M
+8.8% YoY
 Top 10.3% in tier
Deposits $429.3M
+5.7% YoY+0.4% QoQ
 +$228.5M $200.8M
+0.8% YoY
 $239.3M
+5.9% YoY
 $477.3M
+9.7% YoY
 Top 0.7% 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 1.0%
+25.9% YoY+5.1% QoQ
 +0.2% 0.8%
+18.2% YoY
 0.9%
+5.3% YoY
 0.7%
+15.9% YoY
 66%
NIM 2.8%
+15.4% YoY+1.0% QoQ
 -0.8% 3.6%
+6.7% YoY
 3.6%
+4.8% YoY
 3.8%
+5.1% YoY
 Bottom 10.8% in tier
Efficiency Ratio 69.9%
-5.7% YoY-1.1% QoQ
 -7.1% 77.0%
-3.1% YoY
 76.4%
-1.6% YoY
 79.7%
-3.3% YoY
 26%
Delinquency Rate 1.5%
+24.9% YoY+66.1% QoQ
 +0.6 0.9%
+4.2% YoY
 0.8%
+17.6% YoY
 1.3%
-2.1% YoY
 Bottom 14.9% in tier
Loan To Share 62.7%
+1.8% YoY-0.6% QoQ
 -9.5% 72.2%
-1.1% YoY
 74.9%
-2.1% YoY
 67.4%
-1.7% YoY
 28%
AMR $31,803
+6.7% YoY+1.8% QoQ
 +$7K $24,676
+3.4% YoY
 $25,603
+4.2% YoY
 $19,687
+2.0% YoY
 Top 14.1% in tier
CD Concentration 29.6%
+2.0% YoY-1.4% QoQ
 +5.2% 24.4% 25.1% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 15.9% 7.8% 50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#87 of 268 • 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): 6.70%
(Tier: 4.17%, National: 4.00%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.9K, National: $2.0K)
but worse than tier avg
268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally
↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#349 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.70%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk
#127 of 456 • 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): 7.65%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.29% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#258 of 705 • 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): 0.29% 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 | Rank improving

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)

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.1% in 100M-500M tier
7
Total Deposits
balance_sheet
Value: $429.26M
Peer Median: -
#7 of 1069 Top 0.6% in 100M-500M tier
22
Total Assets
balance_sheet
Value: $479.52M
Peer Median: -
#22 of 1069 Top 2.0% in 100M-500M tier
110
Total Loans
balance_sheet
Value: $269.16M
Peer Median: -
#110 of 1069 Top 10.2% in 100M-500M tier
151
Average Member Relationship (AMR)
engagement
Value: $31,803
Peer Median: -
#151 of 1069 Top 14.0% in 100M-500M tier
199
Total Members
engagement
Value: 21,961
Peer Median: -
#199 of 1069 Top 18.5% in 100M-500M tier
236
Net Charge-Off Rate
risk
Value: 0.15%
Peer Median: -
#236 of 1069 Top 22.0% in 100M-500M tier
244
Loan-to-Member Ratio (LMR)
engagement
Value: $12,256
Peer Median: -
#244 of 1069 Top 22.7% in 100M-500M tier

Top Weaknesses (2 metrics)

954
Net Interest Margin (NIM)
profitability
Value: 2.77%
Peer Median: -
#954 of 1069 Bottom 10.9% in 100M-500M tier
911
Total Delinquency Rate (60+ days)
risk
Value: 1.46%
Peer Median: -
#911 of 1069 Bottom 14.9% in 100M-500M tier
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