BlastPoint's Credit Union Scorecard

FEDCHOICE

Charter #150 · MD

Community 500M-750M

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

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FEDCHOICE has 8 strengths but faces 6 concerns

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

+ Relationship Depth Leader: Top 10.2% in tier
+ Wallet Share Momentum: Top 10.2% in tier
+ Organic Growth Leader: Top 19.6% in tier
+ Organic Growth Engine: Top 19.6% in tier
+ Loan Growth Rate: Top 3.0% in tier
+ Share Certificate Concentration (%): Top 5.4% in tier
+ AMR Growth Rate: Top 7.8% in tier
+ Asset Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 30.7% in tier
- ROA 0.20% below tier average
- Efficiency ratio 5.45% above tier (higher cost structure)
- Delinquency rate 0.53% above tier average
- Total Assets: Bottom 3.6% in tier
- Total Deposits: Bottom 4.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	25,704 +3.2% YoY+0.5% QoQ	-12.4K	38,079 -4.8% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	Bottom 10.2% in tier
Assets	$503.4M +11.3% YoY+2.4% QoQ	$-116.3M	$619.7M -0.2% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Bottom 3.0% in tier
Loans	$343.2M +24.6% YoY-2.9% QoQ	$-76.1M	$419.3M -1.4% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	18%
Deposits	$428.4M +5.5% YoY+2.6% QoQ	$-111.1M	$539.5M -0.1% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Bottom 4.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +18.9% YoY+48.9% QoQ	-0.2%	0.7% +36.0% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	39%
NIM	3.5% -10.0% YoY-8.3% QoQ	+0.0%	3.5% +4.5% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	83.8% +6.9% YoY+5.4% QoQ	+5.5%	78.4% -3.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	1.2% -18.2% YoY-1.8% QoQ	+0.5	0.7% -0.9% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Bottom 13.2% in tier
Loan To Share	80.1% +18.1% YoY-5.3% QoQ	+2.4%	77.7% -1.2% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	52%
AMR	$30,019 +9.7% YoY-0.4% QoQ	+$3K	$26,927 +3.1% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	73%
CD Concentration	15.1% +6.7% YoY+6.2% QoQ	-9.2%	24.3%	21.1%	19.8%	19%
Indirect Auto %	1.1% -38.4% YoY-7.7% QoQ	-12.7%	13.8%	7.3%	7.7%	36%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#38 of 257 • Top 10.2% 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): 9.73%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.0K

(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

Wallet Share Momentum

growth

#136 of 491 • Top 10.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.73%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#146 of 371 • Top 19.6% in tier

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

Why This Signature

Member Growth (YoY): 3.19%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.05%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

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

Organic Growth Engine

growth

#242 of 352 • Top 19.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.19%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.49%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 1.05%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

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

Concerns (1)

Efficiency Drag

risk

#316 of 596 • Bottom 30.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.84%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 3.19%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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)

Loan Growth Rate

growth

Value: 24.61%

Peer Median: 4.25%

#6 of 167 Top 3.0% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 15.08%

Peer Median: 26.29%

#10 of 167 Top 5.4% in 500M-750M tier

AMR Growth Rate

growth

Value: 9.73%

Peer Median: 4.03%

#14 of 167 Top 7.8% in 500M-750M tier

Asset Growth Rate

growth

Value: 11.34%

Peer Median: 4.66%

#15 of 167 Top 8.4% in 500M-750M tier

Member Growth Rate

growth

Value: 3.19%

Peer Median: 1.03%

#33 of 167 Top 19.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $13,352

Peer Median: $11,231

#38 of 167 Top 22.2% in 500M-750M tier

Top Weaknesses (7 metrics)

162

Total Assets

balance_sheet

Value: $503.36M

Peer Median: $619.16M

#162 of 167 Bottom 3.6% in 500M-750M tier

160

Total Deposits

balance_sheet

Value: $428.40M

Peer Median: $543.36M

#160 of 167 Bottom 4.8% in 500M-750M tier

150

Total Members

engagement

Value: 25,704

Peer Median: 36,874

#150 of 167 Bottom 10.8% in 500M-750M tier

146

Total Delinquency Rate (60+ days)

risk

Value: 1.23%

Peer Median: 0.62%

#146 of 167 Bottom 13.2% in 500M-750M tier

137

Total Loans

balance_sheet

Value: $343.21M

Peer Median: $427.27M

#137 of 167 Bottom 18.6% in 500M-750M tier

133

Fee Income Per Member

profitability

Value: $130.35

Peer Median: $178.80

#133 of 167 Bottom 21.0% in 500M-750M tier

129

Net Worth Ratio

risk

Value: 9.26%

Peer Median: 10.35%

#129 of 167 Bottom 23.4% in 500M-750M tier