FERKO MD
Charter #10381 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
FERKO MD has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.37% above tier average
- + Net Interest Margin 0.36% above tier average
- + Strong member growth: 15.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.3% in tier
- + Net Charge-Off Rate: Top 8.4% in tier
- + Efficiency Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,603
+15.7% YoY-0.6% QoQ
|
+977 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
74th in tier |
| Assets |
$28.0M
-1.1% YoY-7.5% QoQ
|
$-1.8M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
58th in tier |
| Loans |
$11.7M
-7.7% YoY-3.8% QoQ
|
$-4.1M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
55th in tier |
| Deposits |
$22.5M
-3.6% YoY-9.7% QoQ
|
$-2.9M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
2.0%
+15.2% YoY+0.3% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Top 8.5% in tier |
| NIM |
4.3%
+10.1% YoY+3.7% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
66th in tier |
| Efficiency Ratio |
54.7%
-1.1% YoY+2.5% QoQ
|
-26.7% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.2% in tier |
| Delinquency Rate |
0.4%
+292.6% YoY-2.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
39th in tier |
| Loan To Share |
51.9%
-4.3% YoY+6.5% QoQ
|
-9.3% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
35th in tier |
| AMR |
$9,501
-17.9% YoY-7.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
26th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
62
Member Growth Rate
growth
Value:
15.67%
Peer Avg: 14.92%
#62 of 2596
Top 2.3% in <100M tier
220
Return on Assets (ROA)
profitability
Value:
2.05%
Peer Avg: 0.68%
#220 of 2596
Top 8.4% in <100M tier
220
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.57%
#220 of 2596
Top 8.4% in <100M tier
241
Efficiency Ratio
profitability
Value:
54.70%
Peer Avg: 81.39%
#241 of 2596
Top 9.2% in <100M tier
352
Members Per Employee (MPE)
engagement
Value:
514.714
Peer Avg: 365.701
#352 of 2596
Top 13.5% in <100M tier
604
Net Worth Ratio
risk
Value:
19.56%
Peer Avg: 16.43%
#604 of 2596
Top 23.2% in <100M tier
Top Weaknesses (3 metrics)
2525
AMR Growth Rate
growth
Value:
-17.89%
Peer Avg: 4.67%
#2525 of 2596
Bottom 2.8% in <100M tier
2018
Fee Income Per Member
profitability
Value:
$14.13
Peer Avg: $182.96
#2018 of 2596
Bottom 22.3% in <100M tier
1985
Deposit Growth Rate
growth
Value:
-3.57%
Peer Avg: 16.80%
#1985 of 2596
Bottom 23.6% in <100M tier