BlastPoint's Credit Union Scorecard
CUMBERLAND COUNTY
Charter #9500 · ME
CUMBERLAND COUNTY demonstrates 6 strengths
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 0.15% above tier average
- + Total Deposits: Top 0.4% in tier
- + Total Assets: Top 0.6% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 +5.5% year over year ($441M in shares and deposits).
- Membership: 22,236 members, +0.1% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 1.02%.
- Efficiency ratio 68.39% vs a 76.73% peer average.
- Loan-to-share ratio 63.28% 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 |
22,236
+0.1% YoY+0.6% QoQ
|
+7.1K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$494.0M
+5.7% YoY+1.1% QoQ
|
+$262.0M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
Top 0.7% in tier |
| Loans |
$279.0M
+7.0% YoY+3.8% QoQ
|
+$132.8M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
Top 9.3% in tier |
| Deposits |
$440.9M
+5.5% YoY+1.1% QoQ
|
+$240.2M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
Top 0.5% in tier |
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| ROA |
1.0%
+8.9% YoY-4.9% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
2.9%
+7.7% YoY+0.4% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
68.4%
-2.9% YoY+2.0% QoQ
|
-8.3% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
0.9%
-18.8% YoY+2.7% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
63.3%
+1.4% YoY+2.7% QoQ
|
-8.3% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$32,378
+5.9% YoY+1.5% QoQ
|
+$7K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 14.3% in tier |
| CD Concentration |
30.3%
+2.0% YoY+0.9% QoQ
|
+5.7% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.8% | 7.7% | 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)