BlastPoint's Credit Union Scorecard
LOCAL 355 MD
Charter #14815 · MD
2596 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 0.12% 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 0.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 7.69% above tier average
- - Member decline: -7.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Loan-to-Share Ratio: Bottom 2.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Total Loans: Bottom 8.4% in tier
- - Member Growth Rate: Bottom 9.1% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,442
-7.8% YoY-1.6% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$5.6M
-1.9% YoY+0.9% QoQ
|
$-24.3M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$602,614
-25.8% YoY-7.9% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.3% in tier |
| Deposits |
$4.5M
-3.0% YoY-0.0% QoQ
|
$-21.0M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
0.8%
-278.7% YoY-223.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
2.9%
+63.6% YoY+84.8% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
73.0%
-40.0% YoY-47.8% QoQ
|
-8.3% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
9.2%
+17.2% YoY-0.3% QoQ
|
+7.7 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.5% in tier |
| Loan To Share |
13.5%
-23.4% YoY-7.8% QoQ
|
-47.7% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$3,517
+1.5% YoY+0.6% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.4% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
9
Members Per Employee (MPE)
engagement
Value:
1442.000
Peer Avg: -
#9 of 2596
Top 0.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
558
Net Worth Ratio
risk
Value:
20.24%
Peer Avg: -
#558 of 2596
Top 21.5% in <100M tier
Top Weaknesses (11 metrics)
2533
Total Delinquency Rate (60+ days)
risk
Value:
9.20%
Peer Avg: -
#2533 of 2596
Bottom 2.5% in <100M tier
2531
Loan-to-Share Ratio
balance_sheet
Value:
13.48%
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2517
Loan-to-Member Ratio (LMR)
engagement
Value:
$417.90
Peer Avg: -
#2517 of 2596
Bottom 3.1% in <100M tier
2499
Loan Growth Rate
growth
Value:
-25.75%
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2456
Average Member Relationship (AMR)
engagement
Value:
$3,517
Peer Avg: -
#2456 of 2596
Bottom 5.4% in <100M tier
2380
Total Loans
balance_sheet
Value:
$602,614
Peer Avg: -
#2380 of 2596
Bottom 8.4% in <100M tier
2362
Member Growth Rate
growth
Value:
-7.80%
Peer Avg: -
#2362 of 2596
Bottom 9.1% in <100M tier
2361
Fee Income Per Member
profitability
Value:
$1.55
Peer Avg: -
#2361 of 2596
Bottom 9.1% in <100M tier
2169
Net Interest Margin (NIM)
profitability
Value:
2.94%
Peer Avg: -
#2169 of 2596
Bottom 16.5% in <100M tier
2046
Total Deposits
balance_sheet
Value:
$4.47M
Peer Avg: -
#2046 of 2596
Bottom 21.2% in <100M tier