BlastPoint's Credit Union Scorecard

THIOKOL ELKTON

Charter #12185 · MD

<100M
2508 CUs in <100M nationally 27 in MD

THIOKOL ELKTON demonstrates 1 strength

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.84% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 1,661
-1.0% YoY-0.5% QoQ
-1.0K 2,676
+1.6% YoY
35,042
+5.0% YoY
33,913
+5.7% YoY
44%
Assets $24.1M
-4.7% YoY+3.5% QoQ
$-6.1M $30.2M
+1.3% YoY
$654.4M
+9.6% YoY
$578.3M
+9.0% YoY
53%
Loans $9.6M
+2.8% YoY-4.7% QoQ
$-5.7M $15.3M
-2.0% YoY
$458.0M
+7.3% YoY
$402.4M
+8.7% YoY
50%
Deposits $20.2M
-6.3% YoY+3.8% QoQ
$-5.5M $25.8M
+0.7% YoY
$558.1M
+9.3% YoY
$494.3M
+9.1% YoY
52%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 1.0%
-16.1% YoY+36.2% QoQ
+0.8% 0.1%
-77.6% YoY
0.5%
+20.2% YoY
0.4%
-39.2% YoY
68%
NIM 3.3%
-4.4% YoY-8.3% QoQ
-0.7% 4.0%
+4.0% YoY
3.4%
+2.6% YoY
3.8%
+4.1% YoY
27%
Efficiency Ratio 73.4%
+8.7% YoY+2.9% QoQ
-17.3% 90.6%
+6.5% YoY
82.5%
-2.2% YoY
84.6%
+2.8% YoY
32%
Delinquency Rate 0.3%
-52.8% YoY-66.3% QoQ
-1.2 1.5%
+3.8% YoY
1.2%
+17.1% YoY
1.2%
+3.4% YoY
34%
Loan To Share 47.5%
+9.7% YoY-8.2% QoQ
-11.0% 58.5%
-3.0% YoY
63.5%
+1.0% YoY
65.6%
-1.4% YoY
32%
AMR $17,981
-2.6% YoY+1.4% QoQ
+$3K $14,884
-1.7% YoY
$21,172
+3.9% YoY
$19,920
+1.6% YoY
69%
CD Concentration 11.6%
+18.4% YoY+0.1% QoQ
-12.7% 24.3% 21.1% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.3% 7.7% 50%

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)

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (2 metrics)

2164
Deposit Growth Rate
growth
Value: -6.26%
Peer Median: 0.66%
#2164 of 2508 Bottom 13.8% in <100M tier
2134
Asset Growth Rate
growth
Value: -4.69%
Peer Median: 1.30%
#2134 of 2508 Bottom 15.0% in <100M tier
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