BlastPoint's Credit Union Scorecard
FERKO MD
Charter #10381 · MD
FERKO MD has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.00% above tier average
- + Efficiency Ratio: Top 4.6% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,035
-2.0% YoY-0.5% QoQ
|
+358 |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$29.9M
-0.6% YoY+3.7% QoQ
|
$-307K |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$10.6M
-7.9% YoY-3.1% QoQ
|
$-4.7M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$24.1M
-2.8% YoY+3.9% QoQ
|
$-1.6M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
2.1%
-2.9% YoY+14.9% QoQ
|
+2.0% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
Top 5.0% in tier |
| NIM |
3.9%
-8.4% YoY-10.3% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
53% |
| Efficiency Ratio |
49.8%
-2.3% YoY-15.2% QoQ
|
-40.9% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Top 4.6% in tier |
| Delinquency Rate |
0.9%
+970.8% YoY+58.1% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
44.0%
-5.2% YoY-6.7% QoQ
|
-14.5% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$11,455
-2.5% YoY+2.2% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 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)