BlastPoint's Credit Union Scorecard

EASTMILL

Charter #9518 · ME

<100M

2508 CUs in <100M nationally 9 in ME

EASTMILL has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.07% above tier average
+ Loan Growth Rate: Top 5.5% in tier
+ Total Assets: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 5.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	4,070 -1.0% YoY-0.3% QoQ	+1.4K	2,676 +1.6% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	80%
Assets	$78.6M +3.8% YoY+1.9% QoQ	+$48.4M	$30.2M +1.3% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Top 8.1% in tier
Loans	$30.7M +15.4% YoY+4.7% QoQ	+$15.5M	$15.3M -2.0% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	84%
Deposits	$63.8M +4.2% YoY+2.2% QoQ	+$38.0M	$25.8M +0.7% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Top 10.1% 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	0.2% -55.2% YoY-50.1% QoQ	+0.1%	0.1% -77.6% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	30%
NIM	3.6% -3.8% YoY-0.4% QoQ	-0.4%	4.0% +4.0% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	90.0% +5.1% YoY+2.2% QoQ	-0.6%	90.6% +6.5% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	0.1% +32.9% YoY-53.0% QoQ	-1.4	1.5% +3.8% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	22%
Loan To Share	48.2% +10.8% YoY+2.5% QoQ	-10.3%	58.5% -3.0% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	33%
AMR	$23,230 +8.7% YoY+3.3% QoQ	+$8K	$14,884 -1.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	Top 12.0% in tier
CD Concentration	26.6% +30.7% YoY+18.8% QoQ	+2.4%	24.3%	25.4%	19.8%	50%
Indirect Auto %	20.4% -13.8% YoY-0.7% QoQ	+6.6%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

139

Loan Growth Rate

growth

Value: 15.36%

Peer Median: -2.36%

#139 of 2508 Top 5.5% in <100M tier

204

Total Assets

balance_sheet

Value: $78.62M

Peer Median: $21.86M

#204 of 2508 Top 8.1% in <100M tier

253

Total Deposits

balance_sheet

Value: $63.81M

Peer Median: $18.77M

#253 of 2508 Top 10.0% in <100M tier

301

Average Member Relationship (AMR)

engagement

Value: $23,230

Peer Median: $13,926

#301 of 2508 Top 12.0% in <100M tier

315

AMR Growth Rate

growth

Value: 8.66%

Peer Median: 1.27%

#315 of 2508 Top 12.5% in <100M tier

407

Total Loans

balance_sheet

Value: $30.74M

Peer Median: $9.48M

#407 of 2508 Top 16.2% in <100M tier

507

Total Members

engagement

Value: 4,070

Peer Median: 1,918

#507 of 2508 Top 20.2% in <100M tier

514

Loan-to-Member Ratio (LMR)

engagement

Value: $7,553

Peer Median: $4,923

#514 of 2508 Top 20.5% in <100M tier

544

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.65%

#544 of 2508 Top 21.7% in <100M tier

Top Weaknesses (3 metrics)

2374

Indirect Auto Concentration (%)

balance_sheet

Value: 20.41%

Peer Median: 0.00%

#2374 of 2508 Bottom 5.4% in <100M tier

2100

Members Per Employee (MPE)

engagement

Value: 203.500

Peer Median: 333.750

#2100 of 2508 Bottom 16.3% in <100M tier

1946

Share Certificate Concentration (%)

balance_sheet

Value: 26.64%

Peer Median: 12.45%

#1946 of 2508 Bottom 22.4% in <100M tier