BlastPoint's Credit Union Scorecard
W S S C
Charter #16268 · MD
W S S C has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 7.18% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,360
-1.5% YoY+0.5% QoQ
|
+734 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$34.4M
+1.2% YoY-0.4% QoQ
|
+$4.5M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$18.3M
-6.9% YoY-2.5% QoQ
|
+$2.6M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$31.0M
+0.5% YoY-0.7% QoQ
|
+$5.5M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.3%
+5.6% YoY-14.9% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
5.0%
-6.0% YoY+1.6% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
88.6%
+10.5% YoY+1.8% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
2.2%
-6.7% YoY+69.1% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
59.2%
-7.4% YoY-1.8% QoQ
|
-2.0% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$14,669
-0.9% YoY-1.8% QoQ
|
+$43 |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
22.1%
+22.4% YoY+4.9% QoQ
|
-2.3% |
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)
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)