BlastPoint's Credit Union Scorecard
THIOKOL ELKTON
Charter #12185 · MD
THIOKOL ELKTON demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% 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 |
1,669
-0.9% YoY-0.2% QoQ
|
-946 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$23.3M
-4.1% YoY-2.2% QoQ
|
$-6.9M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$10.1M
+6.5% YoY+2.7% QoQ
|
$-5.7M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$19.5M
-6.3% YoY-2.7% QoQ
|
$-6.2M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.7%
+30.8% YoY-35.6% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.6%
+23.3% YoY-4.8% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
71.3%
-11.6% YoY+8.1% QoQ
|
-11.3% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.9%
-12.0% YoY+6.5% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
51.7%
+13.7% YoY+5.6% QoQ
|
-8.9% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$17,729
-1.4% YoY-0.7% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
11.6%
+2.4% YoY+3.2% QoQ
|
-12.8% | 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)