BlastPoint's Credit Union Scorecard
NYMEO
Charter #16408 · MD
NYMEO has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.42% above tier average
- + Total Loans: Top 7.1% in tier
- + Asset Growth Rate: Top 7.7% in tier
- + Total Assets: Top 9.8% in tier
- + Total Deposits: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.11% below tier average
- - First Mortgage Concentration (%): Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
- Shares and deposits +8.1% year over year ($349M in shares and deposits).
- Membership: 20,829 members, -1.2% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 0.75%.
- Efficiency ratio 75.05% vs a 76.73% peer average.
- Loan-to-share ratio 83.76% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,829
-1.2% YoY-0.5% QoQ
|
+5.7K |
15,168
-2.6% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$409.1M
+10.5% YoY+0.1% QoQ
|
+$177.0M |
$232.0M
+0.7% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 9.9% in tier |
| Loans |
$292.6M
+7.8% YoY+12.5% QoQ
|
+$146.4M |
$146.3M
+0.2% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Top 7.2% in tier |
| Deposits |
$349.4M
+8.1% YoY+0.5% QoQ
|
+$148.6M |
$200.7M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 10.1% in tier |
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| ROA |
0.8%
+15.2% YoY-7.8% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
4.1%
+0.9% YoY-0.0% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
75.1%
-5.8% YoY+0.0% QoQ
|
-1.7% |
76.7%
-0.8% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
0.9%
-25.8% YoY-13.6% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
83.8%
-0.3% YoY+12.0% QoQ
|
+12.2% |
71.5%
-0.3% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$30,821
+9.2% YoY+6.2% QoQ
|
+$6K |
$25,107
+3.2% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
25.4%
+5.0% YoY+2.2% QoQ
|
+0.9% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
0.7%
-55.6% YoY-29.2% QoQ
|
-12.9% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
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.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)