BlastPoint's Credit Union Scorecard
FIRST PEOPLES COMMUNITY
Charter #13345 · MD
FIRST PEOPLES COMMUNITY has 3 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.1% in tier
- + Organic Growth Leader: Top 13.1% in tier
- + ROA 0.40% above tier average
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,521
+3.1% YoY+0.6% QoQ
|
-5.2K |
39,752
-2.7% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$631.3M
+6.4% YoY-0.6% QoQ
|
+$8.9M |
$622.4M
+0.3% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$456.5M
+0.7% YoY+0.9% QoQ
|
+$20.6M |
$435.9M
-0.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$535.9M
+5.1% YoY-0.9% QoQ
|
$-2.1M |
$538.0M
+1.3% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
1.1%
+17.5% YoY+13.7% QoQ
|
+0.4% |
0.7%
+33.9% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
3.2%
+8.1% YoY+2.1% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
72.9%
-6.4% YoY-1.8% QoQ
|
-5.2% |
78.1%
-3.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.4%
-67.3% YoY-12.9% QoQ
|
-0.4 |
0.8%
-4.9% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
85.2%
-4.2% YoY+1.8% QoQ
|
+4.2% |
81.0%
-1.8% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$28,749
+0.0% YoY-0.6% QoQ
|
+$2K |
$26,482
+2.6% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
33.4%
+6.3% YoY+1.5% QoQ
|
+9.0% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
80% |
| Indirect Auto % |
8.5%
+0.1% YoY+4.0% QoQ
|
-5.5% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
51% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)