BlastPoint's Credit Union Scorecard
LOCAL 355 MD
Charter #14815 · MD
2556 CUs in <100M nationally
28 in MD
LOCAL 355 MD has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 12.12% above tier average
- - Member decline: -7.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
- - Loan Growth Rate: Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 5.3% in tier
- - Total Loans: Bottom 8.0% in tier
- - Fee Income Per Member: Bottom 8.3% in tier
- - Member Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,434
-7.0% YoY-0.6% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$5.7M
-1.0% YoY+1.0% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$561,762
-24.1% YoY-6.8% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.9% in tier |
| Deposits |
$4.5M
-2.5% YoY+0.7% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.0%
-367.3% YoY+27.6% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.4%
+90.8% YoY+17.0% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
70.5%
-40.1% YoY-3.4% QoQ
|
-12.0% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
13.7%
+84.6% YoY+48.7% QoQ
|
+12.1 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 1.6% in tier |
| Loan To Share |
12.5%
-22.1% YoY-7.4% QoQ
|
-48.1% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.2% in tier |
| AMR |
$3,530
+1.6% YoY+0.4% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
11
Members Per Employee (MPE)
engagement
Value:
1434.000
Peer Median: -
#11 of 2556
Top 0.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
624
Net Worth Ratio
risk
Value:
19.41%
Peer Median: -
#624 of 2556
Top 24.4% in <100M tier
Top Weaknesses (10 metrics)
2515
Total Delinquency Rate (60+ days)
risk
Value:
13.68%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2499
Loan-to-Share Ratio
balance_sheet
Value:
12.48%
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2489
Loan-to-Member Ratio (LMR)
engagement
Value:
$391.74
Peer Median: -
#2489 of 2556
Bottom 2.7% in <100M tier
2460
Loan Growth Rate
growth
Value:
-24.08%
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
2422
Average Member Relationship (AMR)
engagement
Value:
$3,530
Peer Median: -
#2422 of 2556
Bottom 5.3% in <100M tier
2353
Total Loans
balance_sheet
Value:
$561,762
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier
2346
Fee Income Per Member
profitability
Value:
$1.59
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2308
Member Growth Rate
growth
Value:
-7.00%
Peer Median: -
#2308 of 2556
Bottom 9.7% in <100M tier
2018
Total Deposits
balance_sheet
Value:
$4.50M
Peer Median: -
#2018 of 2556
Bottom 21.1% in <100M tier
2002
Total Assets
balance_sheet
Value:
$5.66M
Peer Median: -
#2002 of 2556
Bottom 21.7% in <100M tier