BlastPoint's Credit Union Scorecard
W S S C
Charter #16268 · MD
W S S C has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.29% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Delinquency rate 0.66% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,319
-0.6% YoY+0.4% QoQ
|
+642 |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$35.0M
+1.8% YoY+0.8% QoQ
|
+$4.8M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$18.6M
-1.8% YoY-0.0% QoQ
|
+$3.3M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$31.6M
+1.7% YoY+1.1% QoQ
|
+$5.8M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
-0.2%
-151.5% YoY-175.8% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
5.3%
+7.6% YoY+3.9% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
89.5%
+2.2% YoY+2.6% QoQ
|
-1.2% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
2.2%
+63.5% YoY+27.1% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
58.9%
-3.4% YoY-1.1% QoQ
|
+0.4% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$15,114
+1.0% YoY+0.3% QoQ
|
+$230 |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
21.7%
+6.3% YoY-1.6% QoQ
|
-2.6% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)