BlastPoint's Banking Scorecard
Aroostook County Federal Savings and Loan Association
Designations: ✓ Mutual
Caribou, ME
2 branches across ME
Aroostook County Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 42.4% in tier
- - Non-Interest-Bearing Deposit Share 16.89% below tier average
- - ROA 0.37% below tier average
- - Net Interest Margin 0.73% below tier average
- - Efficiency Ratio 1.86% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.3M
+2.6% YoY
+0.2% QoQ
|
-$181.8M |
$386.1M
+0.5% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$151.8M
+12.0% YoY
+3.0% QoQ
|
-$104.0M |
$255.7M
+1.1% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$176.7M
+0.1% YoY
-1.0% QoQ
|
-$151.3M |
$328.0M
+0.1% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
0.90%
+48.4% YoY
+39.3% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.20%
+19.8% YoY
+9.4% QoQ
|
-0.73% |
3.93%
+6.0% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
67.15%
-7.6% YoY
-8.3% QoQ
|
+1.86% |
65.29%
-4.5% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.24%
-27.1% YoY
-33.2% QoQ
|
-0.65% |
0.89%
+18.8% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
85.88%
+11.9% YoY
+4.0% QoQ
|
+9.25% |
76.64%
+0.8% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
5.13%
+44.5% YoY
+28.1% QoQ
|
-16.89% |
22.02%
-1.0% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.7% in tier |
| Nonperforming Asset Ratio ? |
0.40%
+45.3% YoY
-16.9% QoQ
|
-0.24% |
0.64%
+19.7% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
17.05%
-3.5% YoY
-2.2% QoQ
|
+1.22% |
15.83%
+1.5% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.12%
+11.2% YoY
-74.7% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
64% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.