BlastPoint's Credit Union Scorecard
THIOKOL ELKTON
Charter #12185 · MD
THIOKOL ELKTON faces 2 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Member decline: -6.7% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits -5.3% year over year ($19.9M in shares and deposits).
- Membership: 1,553 members, -6.7% vs a year ago.
- Delinquency rate 0.16%.
- Return on assets 0.11%.
- Efficiency ratio 69.32% vs a 88.77% peer average.
- Loan-to-share ratio 47.31% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,553
-6.7% YoY-6.5% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$23.8M
-3.8% YoY-1.0% QoQ
|
$-6.4M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$9.4M
-4.2% YoY-1.9% QoQ
|
$-6.0M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$19.9M
-5.3% YoY-1.5% QoQ
|
$-5.9M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.1%
-91.8% YoY-89.2% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.8% in tier |
| NIM |
3.5%
-4.6% YoY+6.9% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
69.3%
+5.8% YoY-5.5% QoQ
|
-19.4% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.2%
-88.5% YoY-45.1% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
47.3%
+1.2% YoY-0.4% QoQ
|
-11.6% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$18,911
+1.9% YoY+5.2% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
11.8%
+15.7% YoY+1.6% QoQ
|
-12.8% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)