BlastPoint's Credit Union Scorecard

KSW

Charter #9943 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

KSW has 6 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.28% above tier average
+ Net Interest Margin 0.56% above tier average
+ Asset Growth Rate: Top 3.4% in tier
+ Deposit Growth Rate: Top 3.6% in tier
+ Efficiency Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	9,553 +0.1% YoY+0.5% QoQ	-5.6K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	30%
Assets	$120.6M +14.5% YoY+5.9% QoQ	$-111.1M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Bottom 13.6% in tier
Loans	$90.3M +5.2% YoY+1.7% QoQ	$-53.9M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	31%
Deposits	$103.3M +13.8% YoY+6.3% QoQ	$-97.8M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Bottom 13.4% 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	2.0% +5.5% YoY-2.5% QoQ	+1.3%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	Top 3.7% in tier
NIM	4.2% -11.4% YoY-7.7% QoQ	+0.6%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	60.5% +4.0% YoY+2.9% QoQ	-17.5%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	Top 9.0% in tier
Delinquency Rate	0.3% +4.3% YoY-49.0% QoQ	-0.4	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	25%
Loan To Share	87.3% -7.6% YoY-4.4% QoQ	+16.9%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	84%
AMR	$20,264 +9.5% YoY+3.6% QoQ	$-5K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	33%
CD Concentration	25.6% +34.4% YoY+12.9% QoQ	+1.3%	24.3%	25.4%	19.8%	50%
Indirect Auto %	36.6% +5.9% YoY+3.3% QoQ	+22.8%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#147 of 491 • 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): 9.46%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk

#17 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 14.55%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 36.62%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.14%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#418 of 476 • 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): 5.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#681 of 727 • 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): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (9 metrics)

Asset Growth Rate

growth

Value: 14.55%

Peer Median: 3.91%

#37 of 1070 Top 3.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.82%

Peer Median: 3.30%

#39 of 1070 Top 3.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.01%

Peer Median: 0.69%

#40 of 1070 Top 3.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.49%

Peer Median: 78.68%

#97 of 1070 Top 9.0% in 100M-500M tier

117

AMR Growth Rate

growth

Value: 9.46%

Peer Median: 3.46%

#117 of 1070 Top 10.8% in 100M-500M tier

144

Members Per Employee (MPE)

engagement

Value: 434.227

Peer Median: 309.176

#144 of 1070 Top 13.4% in 100M-500M tier

167

Loan-to-Share Ratio

balance_sheet

Value: 87.35%

Peer Median: 71.88%

#167 of 1070 Top 15.5% in 100M-500M tier

195

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: 3.62%

#195 of 1070 Top 18.1% in 100M-500M tier

205

Net Worth Ratio

risk

Value: 14.23%

Peer Median: 11.45%

#205 of 1070 Top 19.1% in 100M-500M tier

Top Weaknesses (3 metrics)

963

Indirect Auto Concentration (%)

balance_sheet

Value: 36.62%

Peer Median: 6.61%

#963 of 1070 Bottom 10.1% in 100M-500M tier

927

Total Deposits

balance_sheet

Value: $103.33M

Peer Median: $171.29M

#927 of 1070 Bottom 13.5% in 100M-500M tier

925

Total Assets

balance_sheet

Value: $120.58M

Peer Median: $196.57M

#925 of 1070 Bottom 13.6% in 100M-500M tier