BlastPoint's Banking Scorecard
Aroostook County Federal Savings and Loan Association
Micro
Specialty: Mortgage
ME
FDIC cert 29743
Designations: ✓ Community bank ✓ Mutual
Caribou, ME
2498
banks in Micro tier nationally
5 in ME
View Micro leaderboard (ME) →
Aroostook County Federal Savings and Loan Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.9M
+0.5% YoY
+0.5% QoQ
|
-$13.6M |
$217.5M
+2.3% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$147.3M
+9.8% YoY
+2.1% QoQ
|
+$8.1M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$178.5M
+0.2% YoY
+0.2% QoQ
|
-$5.2M |
$183.7M
+1.8% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.65%
+78.8% YoY
+8.3% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.92%
+27.4% YoY
+2.8% QoQ
|
-0.93% |
3.85%
+6.6% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
73.22%
-12.1% YoY
+0.0% QoQ
|
+5.49% |
67.73%
-4.8% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.36%
-25.1% YoY
-46.0% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
82.54%
+9.6% YoY
+1.9% QoQ
|
+8.02% |
74.53%
+0.5% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
4.01%
-19.4% YoY
+9.8% QoQ
|
-18.39% |
22.39%
-1.3% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+38.6% YoY
-10.1% QoQ
|
+0.03% |
0.45%
+25.1% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
17.44%
-1.1% YoY
-0.3% QoQ
|
+8.59% |
8.85%
-3.4% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.48%
+31.7% YoY
+41.1% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
4.01%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 8.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
59
59th pctile
Total Loans
Current: $147.3M · Tier avg: $139.2M
54
54th pctile
Total Deposits
Current: $178.5M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $203.9M · Tier avg: $217.5M
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.54% · Tier avg: 74.53%
33
33th pctile
Efficiency Ratio
Current: 73.22% · Tier avg: 67.73%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
14
14th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.01% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.01% · Tier avg: 22.39%
14
14th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.85%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 73.22% · Tier avg: 67.73%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.54% · Tier avg: 74.53%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
53
53th pctile
Total Assets
Current: $203.9M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $178.5M · Tier avg: $183.7M
59
59th pctile
Total Loans
Current: $147.3M · Tier avg: $139.2M
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 8.85%