BlastPoint's Credit Union Scorecard
LOCAL 355 MD
Charter #14815 · 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 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 153.85% above tier (higher cost structure)
- - Delinquency rate 6.45% above tier average
- - Member decline: -4.2% YoY
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits +3.8% year over year ($4.6M in shares and deposits).
- Membership: 1,404 members, -4.2% vs a year ago.
- Delinquency rate 7.99%.
- Return on assets 1.36%.
- Efficiency ratio 242.62% vs a 88.77% peer average.
- Loan-to-share ratio 8.73% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,404
-4.2% YoY-0.9% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$5.8M
+3.7% YoY-0.9% QoQ
|
$-24.5M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$404,916
-38.1% YoY-14.2% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.4% in tier |
| Deposits |
$4.6M
+3.8% YoY-0.4% QoQ
|
$-21.2M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
1.4%
-308.7% YoY-440.6% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
0.9%
-42.5% YoY-59.0% QoQ
|
-3.0% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
242.6%
+73.5% YoY+106.4% QoQ
|
+153.8% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
8.0%
-13.4% YoY-41.4% QoQ
|
+6.4 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.2% in tier |
| Loan To Share |
8.7%
-40.3% YoY-13.8% QoQ
|
-50.2% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.6% in tier |
| AMR |
$3,593
+2.8% YoY-0.7% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)