BlastPoint's Credit Union Scorecard
FERKO MD
Charter #10381 · MD
FERKO MD demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.9% in tier
- + Members Per Employee (MPE): Top 7.1% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,050
-1.8% YoY-15.3% QoQ
|
+434 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$28.8M
-0.2% YoY+2.8% QoQ
|
$-1.3M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$11.0M
-10.6% YoY-6.3% QoQ
|
$-4.8M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$23.2M
-2.4% YoY+3.1% QoQ
|
$-2.4M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
1.9%
+15.9% YoY-8.8% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Top 8.6% in tier |
| NIM |
4.3%
+8.1% YoY+0.6% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
58.7%
-1.2% YoY+7.3% QoQ
|
-23.9% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
0.6%
+519.6% YoY+33.7% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
47.2%
-8.4% YoY-9.1% QoQ
|
-13.4% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$11,213
-3.4% YoY+18.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)