BlastPoint's Credit Union Scorecard
LOCAL 355 MD
Charter #14815 · MD
<100M
2508 CUs in <100M nationally
27 in MD
LOCAL 355 MD has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 26.90% above tier (higher cost structure)
- - Delinquency rate 12.14% above tier average
- - Member decline: -3.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,417
-3.9% YoY-1.2% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$5.8M
+3.0% YoY+2.7% QoQ
|
$-24.4M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$471,702
-29.1% YoY-16.0% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.3% in tier |
| Deposits |
$4.7M
+1.6% YoY+3.5% QoQ
|
$-21.1M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-0.4%
-87.6% YoY-138.8% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.2% in tier |
| NIM |
2.2%
-313.9% YoY-35.1% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
117.5%
+66.6% QoQ
|
+26.9% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
13.6%
+90.6% YoY-0.2% QoQ
|
+12.1 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.5% in tier |
| Loan To Share |
10.1%
-30.2% YoY-18.9% QoQ
|
-48.4% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.0% in tier |
| AMR |
$3,620
+1.6% YoY+2.6% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
13
Members Per Employee (MPE)
engagement
Value:
1417.000
Peer Median: 333.750
#13 of 2508
Top 0.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
564
Net Worth Ratio
risk
Value:
19.83%
Peer Median: 14.28%
#564 of 2508
Top 22.4% in <100M tier
Top Weaknesses (13 metrics)
2471
Total Delinquency Rate (60+ days)
risk
Value:
13.65%
Peer Median: 0.65%
#2471 of 2508
Bottom 1.5% in <100M tier
2457
Loan-to-Share Ratio
balance_sheet
Value:
10.13%
Peer Median: 58.72%
#2457 of 2508
Bottom 2.1% in <100M tier
2449
Loan-to-Member Ratio (LMR)
engagement
Value:
$332.89
Peer Median: $4,923
#2449 of 2508
Bottom 2.4% in <100M tier
2436
Loan Growth Rate
growth
Value:
-29.14%
Peer Median: -2.36%
#2436 of 2508
Bottom 2.9% in <100M tier
2376
Net Interest Margin (NIM)
profitability
Value:
2.23%
Peer Median: 3.83%
#2376 of 2508
Bottom 5.3% in <100M tier
2372
Average Member Relationship (AMR)
engagement
Value:
$3,620
Peer Median: $13,926
#2372 of 2508
Bottom 5.5% in <100M tier
2349
Efficiency Ratio
profitability
Value:
117.53%
Peer Median: 81.45%
#2349 of 2508
Bottom 6.4% in <100M tier
2326
Total Loans
balance_sheet
Value:
$471,702
Peer Median: $9.48M
#2326 of 2508
Bottom 7.3% in <100M tier
2272
Fee Income Per Member
profitability
Value:
$1.55
Peer Median: $60.42
#2272 of 2508
Bottom 9.4% in <100M tier
2151
Return on Assets (ROA)
profitability
Value:
-0.40%
Peer Median: 0.61%
#2151 of 2508
Bottom 14.3% in <100M tier