THIOKOL ELKTON
Charter #12185 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
THIOKOL ELKTON demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,673
-1.2% YoY+0.5% QoQ
|
-952 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
44th in tier |
| Assets |
$23.8M
-1.8% YoY-4.0% QoQ
|
$-6.1M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
53rd in tier |
| Loans |
$9.8M
-1.5% YoY-0.2% QoQ
|
$-5.9M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
50th in tier |
| Deposits |
$20.0M
-3.7% YoY-4.8% QoQ
|
$-5.4M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
52nd in tier |
| ROA |
1.1%
+104.1% YoY-13.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
68th in tier |
| NIM |
3.7%
+25.5% YoY+2.3% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
44th in tier |
| Efficiency Ratio |
65.9%
-21.3% YoY+0.6% QoQ
|
-15.5% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.3% in tier |
| Delinquency Rate |
0.8%
-60.7% YoY-41.7% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
56th in tier |
| Loan To Share |
49.0%
+2.3% YoY+4.8% QoQ
|
-12.2% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
31st in tier |
| AMR |
$17,855
-1.8% YoY-3.8% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
71st in tier |
| CD Concentration |
11.2%
-4.7% YoY+10.1% QoQ
|
-13.2% |
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
606
Efficiency Ratio
profitability
Value:
65.93%
Peer Avg: 81.39%
#606 of 2596
Top 23.3% in <100M tier
Top Weaknesses (1 metrics)
2002
Deposit Growth Rate
growth
Value:
-3.68%
Peer Avg: 16.80%
#2002 of 2596
Bottom 22.9% in <100M tier