BlastPoint's Credit Union Scorecard

FIRST PEOPLES COMMUNITY

Charter #13345 · MD

Community 500M-750M

167 CUs in 500M-750M nationally 7 in MD

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FIRST PEOPLES COMMUNITY has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 34.9% in tier
+ Organic Growth Leader: Top 34.9% in tier
+ Relationship Depth Leader: Top 65.3% in tier
+ ROA 0.47% above tier average

Key Concerns

Areas that may need attention

- Members Per Employee (MPE): Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	34,621 +1.5% YoY+0.4% QoQ	-3.5K	38,079 -4.8% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	38%
Assets	$659.9M +4.2% YoY+3.6% QoQ	+$40.2M	$619.7M -0.2% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	66%
Loans	$471.4M +4.3% YoY+0.7% QoQ	+$52.1M	$419.3M -1.4% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	70%
Deposits	$557.6M +2.6% YoY+3.7% QoQ	+$18.1M	$539.5M -0.1% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	62%

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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	1.2% +40.0% YoY-13.0% QoQ	+0.5%	0.7% +36.0% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	83%
NIM	3.2% +4.7% YoY-0.5% QoQ	-0.3%	3.5% +4.5% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	72.4% -6.7% YoY+5.2% QoQ	-6.0%	78.4% -3.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	0.2% -2.6% YoY-53.5% QoQ	-0.5	0.7% -0.9% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Top 15.0% in tier
Loan To Share	84.5% +1.7% YoY-2.9% QoQ	+6.9%	77.7% -1.2% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	63%
AMR	$29,723 +1.9% YoY+1.8% QoQ	+$3K	$26,927 +3.1% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	72%
CD Concentration	32.8% -1.0% YoY-1.6% QoQ	+8.6%	24.3%	21.1%	19.8%	79%
Indirect Auto %	8.6% +6.5% YoY+4.7% QoQ	-5.2%	13.8%	7.3%	7.7%	51%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#236 of 352 • Top 34.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.15%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 8.64%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#269 of 371 • Top 34.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 8.64%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#239 of 257 • Top 65.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.89%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

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 167 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 13.46%

Peer Median: 10.35%

#24 of 167 Top 13.8% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.62%

#26 of 167 Top 15.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: 0.61%

#29 of 167 Top 16.8% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.19%

Peer Median: 0.39%

#35 of 167 Top 20.4% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $13,617

Peer Median: $11,231

#36 of 167 Top 21.0% in 500M-750M tier

Efficiency Ratio

profitability

Value: 72.38%

Peer Median: 78.61%

#39 of 167 Top 22.8% in 500M-750M tier

Top Weaknesses (2 metrics)

155

Members Per Employee (MPE)

engagement

Value: 232.356

Peer Median: 318.730

#155 of 167 Bottom 7.8% in 500M-750M tier

130

Share Certificate Concentration (%)

balance_sheet

Value: 32.83%

Peer Median: 26.29%

#130 of 167 Bottom 22.8% in 500M-750M tier