BlastPoint's Credit Union Scorecard
ACT 1ST
Charter #6679 · MD
ACT 1ST has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 93.3% in tier
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 57.6% in tier
- - Shrinking Wallet Share: Bottom 77.3% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 0.71% above tier average
- - Net Worth Ratio: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,961
+1.0% YoY+0.1% QoQ
|
-3.5K |
15,437
-2.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$145.2M
+2.1% YoY+1.0% QoQ
|
$-86.6M |
$231.9M
+1.3% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$106.5M
-2.7% YoY-1.1% QoQ
|
$-40.8M |
$147.3M
-0.1% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$133.6M
+1.6% YoY+1.1% QoQ
|
$-67.2M |
$200.8M
+0.8% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.7%
+79.9% YoY-0.3% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
4.0%
+17.6% YoY+1.1% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
71.0%
-15.0% YoY+0.2% QoQ
|
-6.1% |
77.0%
-3.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
1.6%
-8.7% YoY+29.0% QoQ
|
+0.7 |
0.9%
+4.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 11.9% in tier |
| Loan To Share |
79.7%
-4.3% YoY-2.1% QoQ
|
+7.5% |
72.2%
-1.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$20,071
-1.3% YoY-0.0% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
33.0%
-0.6% YoY-0.1% QoQ
|
+8.6% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % |
35.4%
+10.2% YoY-0.4% QoQ
|
+21.6% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)