BlastPoint's Credit Union Scorecard
FEDCHOICE
Charter #150 · MD
FEDCHOICE has 11 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 11.2% in tier
- + Wallet Share Momentum: Top 21.3% in tier
- + Organic Growth Leader: Top 38.8% in tier
- + Organic Growth Engine: Top 73.6% in tier
- + Net Interest Margin 0.17% above tier average
- + Total Assets: Top 0.8% in tier
- + Loan Growth Rate: Top 1.4% in tier
- + Total Loans: Top 1.7% in tier
- + Total Deposits: Top 1.8% in tier
- + Asset Growth Rate: Top 6.0% in tier
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 2.53% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,580
+3.2% YoY+0.6% QoQ
|
+10.1K |
15,437
-2.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 12.1% in tier |
| Assets |
$491.4M
+12.7% YoY+9.9% QoQ
|
+$259.5M |
$231.9M
+1.3% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Top 0.9% in tier |
| Loans |
$353.3M
+28.2% YoY+21.9% QoQ
|
+$206.0M |
$147.3M
-0.1% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 1.8% in tier |
| Deposits |
$417.7M
+5.8% YoY+3.6% QoQ
|
+$216.9M |
$200.8M
+0.8% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 1.9% in tier |
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| ROA |
0.3%
-15.5% YoY+26.9% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.8%
-1.3% YoY-3.9% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
79.5%
+1.8% YoY-0.3% QoQ
|
+2.5% |
77.0%
-3.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.3%
-31.0% YoY+2.0% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
84.6%
+21.2% YoY+17.7% QoQ
|
+12.4% |
72.2%
-1.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$30,141
+11.4% YoY+10.5% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
14.2%
-1.4% YoY-1.8% QoQ
|
-10.2% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % |
1.1%
-37.7% YoY-23.2% QoQ
|
-12.6% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)