BlastPoint's Credit Union Scorecard

NYMEO

Charter #16408 · MD

1069 CUs in 100M-500M nationally 16 in MD

NYMEO has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 7.5% in tier
+ Wallet Share Momentum: Top 15.4% in tier
+ Net Interest Margin 0.24% above tier average
+ Loan Growth Rate: Top 5.3% in tier
+ AMR Growth Rate: Top 5.6% in tier
+ Total Loans: Top 6.5% in tier
+ Asset Growth Rate: Top 6.6% in tier
+ Total Assets: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 90.0% in tier
- Stagnation Risk: Bottom 90.4% in tier
- ROA 0.03% below tier average
- Delinquency rate 0.49% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	20,850 -0.9% YoY-1.5% QoQ	+5.4K	15,437 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	78%
Assets	$408.9M +12.4% YoY+4.9% QoQ	+$177.1M	$231.9M +1.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	Top 9.7% in tier
Loans	$297.8M +17.1% YoY+7.8% QoQ	+$150.4M	$147.3M -0.1% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	Top 6.6% in tier
Deposits	$341.0M +7.6% YoY+3.1% QoQ	+$140.2M	$200.8M +0.8% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	Top 11.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +32.6% YoY+12.9% QoQ	-0.0%	0.8% +18.2% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	48%
NIM	3.8% -1.4% YoY-3.3% QoQ	+0.2%	3.6% +6.7% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	76.3% -4.6% YoY-2.3% QoQ	-0.7%	77.0% -3.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	1.4% -10.0% YoY-15.0% QoQ	+0.5	0.9% +4.2% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	83%
Loan To Share	87.3% +8.8% YoY+4.6% QoQ	+15.1%	72.2% -1.1% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	80%
AMR	$30,638 +12.8% YoY+6.8% QoQ	+$6K	$24,676 +3.4% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	84%
CD Concentration	24.2% -0.2% YoY-2.0% QoQ	-0.2%	24.4%	20.4%	19.8%	50%
Indirect Auto %	1.1% -53.7% YoY-21.8% QoQ	-12.7%	13.8%	7.3%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#21 of 268 • Top 7.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 12.85%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#80 of 513 • Top 15.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.85%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (2)

Membership Headwinds

decline

#499 of 554 • Bottom 90.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.87%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#501 of 554 • Bottom 90.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.87%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 17.13%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.38%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (11 metrics)

Loan Growth Rate

growth

Value: 17.13%

Peer Median: -

#58 of 1069 Top 5.3% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.85%

Peer Median: -

#61 of 1069 Top 5.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $297.75M

Peer Median: -

#71 of 1069 Top 6.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.45%

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

104

Total Assets

balance_sheet

Value: $408.92M

Peer Median: -

#104 of 1069 Top 9.6% in 100M-500M tier

125

Total Deposits

balance_sheet

Value: $341.04M

Peer Median: -

#125 of 1069 Top 11.6% in 100M-500M tier

140

Loan-to-Member Ratio (LMR)

engagement

Value: $14,281

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

175

Average Member Relationship (AMR)

engagement

Value: $30,638

Peer Median: -

#175 of 1069 Top 16.3% in 100M-500M tier

219

Loan-to-Share Ratio

balance_sheet

Value: 87.31%

Peer Median: -

#219 of 1069 Top 20.4% in 100M-500M tier

234

Total Members

engagement

Value: 20,850

Peer Median: -

#234 of 1069 Top 21.8% in 100M-500M tier

Top Weaknesses (2 metrics)

951

First Mortgage Concentration (%)

balance_sheet

Value: 53.03%

Peer Median: -

#951 of 1069 Bottom 11.1% in 100M-500M tier

889

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: -

#889 of 1069 Bottom 16.9% in 100M-500M tier