BlastPoint's Credit Union Scorecard

THIOKOL ELKTON

Charter #12185 · MD

2596 CUs in <100M nationally 28 in MD

THIOKOL ELKTON demonstrates 3 strengths

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

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	44%
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	53%
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	50%
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	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	68%
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	44%
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	23%
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	56%
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	31%
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	71%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

246

Net Charge-Off Rate

risk

Value: 0.00%

Peer Avg: -

#246 of 2596 Top 9.4% in <100M tier

606

Efficiency Ratio

profitability

Value: 65.93%

Peer Avg: -

#606 of 2596 Top 23.3% in <100M tier

Top Weaknesses (1 metrics)

2002

Deposit Growth Rate

growth

Value: -3.68%

Peer Avg: -

#2002 of 2596 Bottom 22.9% in <100M tier