BlastPoint's Credit Union Scorecard
EASTMILL
Charter #9518 · ME
EASTMILL has 1 strength but faces 3 concerns
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 0.19% below tier average
- - Efficiency ratio 5.58% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,095
-0.9% YoY-0.7% QoQ
|
+1.5K |
2,625
-2.2% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$76.9M
+5.5% YoY+1.1% QoQ
|
+$47.0M |
$29.9M
+1.1% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 8.9% in tier |
| Loans |
$28.2M
+5.3% YoY+2.3% QoQ
|
+$12.4M |
$15.8M
-2.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$62.1M
+5.8% YoY+1.0% QoQ
|
+$36.6M |
$25.5M
+0.4% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 11.0% in tier |
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| ROA |
0.5%
-44.5% YoY+9.7% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.7%
+2.6% YoY-1.4% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
87.0%
+9.7% YoY-0.2% QoQ
|
+5.6% |
81.4%
-2.4% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.2%
+20.6% YoY+37.9% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
45.4%
-0.5% YoY+1.2% QoQ
|
-15.9% |
61.2%
-3.0% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$22,035
+6.6% YoY+2.1% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.0% in tier |
| CD Concentration |
23.1%
+32.2% YoY+12.2% QoQ
|
-1.3% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.0%
-16.1% YoY-4.6% QoQ
|
+8.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)