BlastPoint's Credit Union Scorecard
FEDCHOICE
Charter #150 · MD
FEDCHOICE has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Total Deposits: Top 1.3% in tier
- + Total Assets: Top 2.6% in tier
- + Loan Growth Rate: Top 4.3% in tier
- + Total Loans: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 7.09% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 5.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
- Shares and deposits +4.5% year over year ($423M in shares and deposits).
- Membership: 25,827 members, +2.9% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.48%.
- Efficiency ratio 83.83% vs a 76.73% peer average.
- Loan-to-share ratio 75.98% vs a 71.54% 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 |
25,827
+2.9% YoY+0.5% QoQ
|
+10.7K |
15,168
-2.6% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 11.1% in tier |
| Assets |
$468.7M
+4.8% YoY-6.9% QoQ
|
+$236.7M |
$232.0M
+0.7% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 2.7% in tier |
| Loans |
$321.5M
+17.7% YoY-6.3% QoQ
|
+$175.3M |
$146.3M
+0.2% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Top 4.4% in tier |
| Deposits |
$423.2M
+4.5% YoY-1.2% QoQ
|
+$222.5M |
$200.7M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 1.4% in tier |
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| ROA |
0.5%
-1.9% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.6%
-5.6% YoY+5.2% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
83.8%
+6.7% YoY-0.0% QoQ
|
+7.1% |
76.7%
-0.8% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.7%
-48.9% YoY-46.9% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
76.0%
+12.6% YoY-5.2% QoQ
|
+4.4% |
71.5%
-0.3% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$28,837
+6.7% YoY-3.9% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
15.5%
+8.9% YoY+3.1% QoQ
|
-9.0% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
1.0%
-41.6% YoY-6.2% QoQ
|
-12.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)