BlastPoint's Credit Union Scorecard
PRINCE GEORGE'S COMMUNITY
Charter #18271 · MD
PRINCE GEORGE'S COMMUNITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.47% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,713
-0.5% YoY-0.1% QoQ
|
+4.6K |
15,145
-2.5% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$331.1M
+6.7% YoY+0.8% QoQ
|
+$99.4M |
$231.7M
+0.8% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$195.7M
-0.2% YoY-0.2% QoQ
|
+$51.5M |
$144.1M
+0.2% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$284.3M
+6.2% YoY+0.6% QoQ
|
+$83.2M |
$201.1M
+0.4% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
1.0%
-15.7% YoY-4.9% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
4.1%
-2.2% YoY-2.9% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
70.4%
+0.7% YoY+1.1% QoQ
|
-7.6% |
78.0%
-1.7% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.9%
+34.8% YoY-28.0% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
68.8%
-6.1% YoY-0.8% QoQ
|
-1.6% |
70.4%
-0.4% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$24,348
+4.0% YoY+0.4% QoQ
|
$-571 |
$24,918
+2.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
21.8%
+5.5% YoY-1.5% QoQ
|
-2.5% | 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 (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)