BlastPoint's Credit Union Scorecard

EASTMILL

Charter #9518 · ME

<100M

2556 CUs in <100M nationally 9 in ME

EASTMILL has 1 strength 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

+ Total Assets: Top 8.8% in tier

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Efficiency ratio 5.45% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 5.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	4,081 -1.1% YoY-0.3% QoQ	+1.5K	2,615 -1.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	80%
Assets	$77.2M +5.4% YoY+0.4% QoQ	+$47.0M	$30.1M +2.1% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	Top 8.8% in tier
Loans	$29.4M +9.9% YoY+4.3% QoQ	+$13.6M	$15.8M -1.3% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	82%
Deposits	$62.4M +6.1% YoY+0.6% QoQ	+$36.8M	$25.7M +1.4% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	Top 11.0% 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	0.4% -52.7% YoY-13.5% QoQ	-0.2%	0.6% +10.8% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	36%
NIM	3.6% +0.7% YoY-0.4% QoQ	-0.3%	4.0% +4.0% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	40%
Efficiency Ratio	88.0% +11.2% YoY+1.2% QoQ	+5.4%	82.6% -2.3% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	0.2% -31.2% YoY+6.7% QoQ	-1.4	1.6% -3.1% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	26%
Loan To Share	47.0% +3.6% YoY+3.7% QoQ	-13.6%	60.6% -3.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	29%
AMR	$22,494 +8.5% YoY+2.1% QoQ	+$8K	$14,783 -1.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	Top 13.2% in tier
CD Concentration	22.4% +18.1% YoY-3.0% QoQ	-2.0%	24.4%	25.1%	19.8%	50%
Indirect Auto %	20.5% -17.9% YoY-6.4% QoQ	+6.8%	13.8%	15.9%	7.8%	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 2556 peers in tier

Top Strengths (10 metrics)

226

Total Assets

balance_sheet

Value: $77.18M

Peer Median: -

#226 of 2556 Top 8.8% in <100M tier

282

Total Deposits

balance_sheet

Value: $62.44M

Peer Median: -

#282 of 2556 Top 11.0% in <100M tier

285

Loan Growth Rate

growth

Value: 9.92%

Peer Median: -

#285 of 2556 Top 11.1% in <100M tier

324

AMR Growth Rate

growth

Value: 8.52%

Peer Median: -

#324 of 2556 Top 12.6% in <100M tier

338

Average Member Relationship (AMR)

engagement

Value: $22,494

Peer Median: -

#338 of 2556 Top 13.2% in <100M tier

467

Total Loans

balance_sheet

Value: $29.36M

Peer Median: -

#467 of 2556 Top 18.2% in <100M tier

510

Deposit Growth Rate

growth

Value: 6.09%

Peer Median: -

#510 of 2556 Top 19.9% in <100M tier

521

Total Members

engagement

Value: 4,081

Peer Median: -

#521 of 2556 Top 20.3% in <100M tier

610

Fee Income Per Member

profitability

Value: $122.45

Peer Median: -

#610 of 2556 Top 23.8% in <100M tier

613

Loan-to-Member Ratio (LMR)

engagement

Value: $7,194

Peer Median: -

#613 of 2556 Top 23.9% in <100M tier

Top Weaknesses (2 metrics)

2417

Indirect Auto Concentration (%)

balance_sheet

Value: 20.55%

Peer Median: -

#2417 of 2556 Bottom 5.5% in <100M tier

2132

Members Per Employee (MPE)

engagement

Value: 204.050

Peer Median: -

#2132 of 2556 Bottom 16.6% in <100M tier