BlastPoint's Credit Union Scorecard

KSW

Charter #9943 · ME

1077 CUs in 100M-500M nationally 33 in ME

KSW has 10 strengths but faces 4 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

+ Profitability Leader: Top 7.1% in tier
+ Wallet Share Momentum: Top 25.2% in tier
+ ROA 1.39% above tier average
+ Net Interest Margin 1.04% above tier average
+ Asset Growth Rate: Top 3.9% in tier
+ Deposit Growth Rate: Top 5.2% in tier
+ Efficiency Ratio: Top 6.4% in tier
+ Members Per Employee (MPE): Top 7.3% in tier
+ Loan-to-Share Ratio: Top 8.1% in tier
+ AMR Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 1.2% in tier
- Liquidity Strain: Bottom 15.2% in tier
- Total Deposits: Bottom 5.7% in tier
- Total Assets: Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	9,579 -0.2% YoY-0.3% QoQ	-6.0K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	27%
Assets	$109.6M +14.2% YoY+1.3% QoQ	$-121.7M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	Bottom 6.7% in tier
Loans	$88.5M +6.6% YoY+0.4% QoQ	$-59.3M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	28%
Deposits	$93.7M +13.2% YoY+0.8% QoQ	$-106.6M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	Bottom 5.6% 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	2.2% +4.4% YoY+1.7% QoQ	+1.4%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	Top 2.0% in tier
NIM	4.6% +2.4% YoY+0.1% QoQ	+1.0%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	Top 7.1% in tier
Efficiency Ratio	58.0% -2.0% YoY-0.3% QoQ	-19.3%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	Bottom 6.4% in tier
Delinquency Rate	0.8% -24.9% YoY+271.9% QoQ	-0.1	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	59%
Loan To Share	94.5% -5.8% YoY-0.4% QoQ	+21.8%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	Top 8.2% in tier
AMR	$19,023 +10.1% YoY+0.8% QoQ	$-5K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	29%
CD Concentration	21.7% +18.8% YoY+1.5% QoQ	-2.7%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	35.5% +5.6% YoY+0.7% QoQ	+21.5%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#25 of 340 • Top 7.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.18%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#122 of 481 • Top 25.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.13%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#20 of 525 • Bottom 1.2% in tier

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

Why This Signature

Asset Growth (YoY): 14.21%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 35.48%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.19%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Liquidity Strain

risk

#119 of 258 • Bottom 15.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.46%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.63%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 1077 peers in tier

Top Strengths (9 metrics)

Return on Assets (ROA)

profitability

Value: 2.18%

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.21%

Peer Avg: -

#43 of 1077 Top 3.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.23%

Peer Avg: -

#57 of 1077 Top 5.2% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.98%

Peer Avg: -

#70 of 1077 Top 6.4% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.62%

Peer Avg: -

#77 of 1077 Top 7.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 478.950

Peer Avg: -

#80 of 1077 Top 7.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.46%

Peer Avg: -

#88 of 1077 Top 8.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.13%

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

185

Net Worth Ratio

risk

Value: 14.64%

Peer Avg: -

#185 of 1077 Top 17.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1017

Total Deposits

balance_sheet

Value: $93.70M

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

1005

Total Assets

balance_sheet

Value: $109.55M

Peer Avg: -

#1005 of 1077 Bottom 6.8% in 100M-500M tier

953

Indirect Auto Concentration (%)

balance_sheet

Value: 35.48%

Peer Avg: -

#953 of 1077 Bottom 11.6% in 100M-500M tier