BlastPoint's Credit Union Scorecard
W S S C
Charter #16268 · MD
W S S C has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.14% 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 4.68% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,306
-2.1% YoY-1.6% QoQ
|
+690 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$34.7M
+1.3% YoY+0.9% QoQ
|
+$4.5M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$18.6M
-3.9% YoY+1.4% QoQ
|
+$2.8M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$31.2M
+0.7% YoY+0.9% QoQ
|
+$5.5M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.2%
-44.8% YoY-22.9% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
5.1%
-3.5% YoY+2.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
87.2%
+10.8% YoY-1.5% QoQ
|
+4.7% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
1.7%
+17.9% YoY-24.3% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
59.5%
-4.5% YoY+0.5% QoQ
|
-1.1% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$15,072
+1.1% YoY+2.7% QoQ
|
+$289 |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
22.0%
+11.0% YoY-0.6% QoQ
|
-2.4% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)