BlastPoint's Credit Union Scorecard

MID-ATLANTIC

Charter #18716 · MD

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

MID-ATLANTIC has 8 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 70.8% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 2.9% in tier
  • + Total Loans: Top 4.7% in tier
  • + Total Deposits: Top 5.1% in tier
  • + Total Assets: Top 5.8% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.8% in tier
  • + Average Member Relationship (AMR): Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 6.7% in tier
  • - Stagnation Risk: Bottom 37.4% in tier
  • - Membership Headwinds: Bottom 51.7% in tier
  • - Institutional Decline: Bottom 64.4% in tier
  • - Efficiency Drag: Bottom 80.8% in tier
  • - ROA 0.17% below tier average
  • - Efficiency ratio 7.55% above tier (higher cost structure)
  • - Delinquency rate 0.12% above tier average
  • - Member decline: -2.6% YoY
  • - First Mortgage Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 17,775
-2.6% YoY-0.7% QoQ
+2.3K 15,437
-2.9% YoY
34,239
+5.1% YoY
33,374
+5.7% YoY
68%
Assets $439.8M
+2.2% YoY+0.1% QoQ
+$207.9M $231.9M
+1.3% YoY
$633.8M
+10.2% YoY
$561.6M
+9.7% YoY
Top 5.9% in tier
Loans $313.2M
-0.6% YoY+0.6% QoQ
+$165.8M $147.3M
-0.1% YoY
$458.0M
+9.3% YoY
$397.0M
+8.8% YoY
Top 4.8% in tier
Deposits $387.9M
+1.9% YoY+0.2% QoQ
+$187.1M $200.8M
+0.8% YoY
$535.8M
+9.7% YoY
$477.3M
+9.7% YoY
Top 5.2% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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 0.6%
-62.9% YoY-13.4% QoQ
-0.2% 0.8%
+18.2% YoY
0.6%
+24.3% YoY
0.7%
+15.9% YoY
38%
NIM 3.1%
-4.2% YoY+0.9% QoQ
-0.5% 3.6%
+6.7% YoY
3.5%
+4.9% YoY
3.8%
+5.1% YoY
21%
Efficiency Ratio 84.6%
+31.5% YoY+3.3% QoQ
+7.6% 77.0%
-3.1% YoY
79.3%
-5.8% YoY
79.7%
-3.3% YoY
77%
Delinquency Rate 1.0%
-32.0% YoY+0.7% QoQ
+0.1 0.9%
+4.2% YoY
1.3%
-2.3% YoY
1.3%
-2.1% YoY
70%
Loan To Share 80.7%
-2.5% YoY+0.5% QoQ
+8.5% 72.2%
-1.1% YoY
65.5%
+0.8% YoY
67.4%
-1.7% YoY
66%
AMR $39,444
+3.5% YoY+1.1% QoQ
+$15K $24,676
+3.4% YoY
$21,154
+5.1% YoY
$19,687
+2.0% YoY
Top 6.3% in tier
CD Concentration 30.1%
+6.8% YoY-1.1% QoQ
+5.7% 24.4% 20.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.3% 7.8% 50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth
#190 of 268 • Top 70.8% 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): 3.53%
(Tier: 4.17%, National: 4.00%)
but worse than tier avg
Share Draft per Member: $6.5K
(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 | Rank worsening

Concerns (5)

Cost Spiral

risk
#4 of 46 • Bottom 6.7% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 20.28% points
(Tier: -2.44% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 49.90%
(Tier: 60.04%, National: 63.66%)
but better than tier avg
46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Stagnation Risk

risk
#208 of 554 • Bottom 37.4% 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): -2.63%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -0.58%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 1.01%
(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

Membership Headwinds

decline
#287 of 554 • Bottom 51.7% in tier

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

Why This Signature
Member Growth (YoY): -2.63%
(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

Institutional Decline

decline
#155 of 240 • Bottom 64.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $439.80M
(Tier: $334.15M, National: $561.61M)
but better than tier avg
Member Growth (YoY): -2.63%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -0.58%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally
→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk
#435 of 538 • Bottom 80.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.57%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -1.01% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): -2.63%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | 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)

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
32
Net Charge-Off Rate
risk
Value: 0.02%
Peer Median: -
#32 of 1069 Top 2.9% in 100M-500M tier
51
Total Loans
balance_sheet
Value: $313.18M
Peer Median: -
#51 of 1069 Top 4.7% in 100M-500M tier
56
Total Deposits
balance_sheet
Value: $387.94M
Peer Median: -
#56 of 1069 Top 5.1% in 100M-500M tier
63
Total Assets
balance_sheet
Value: $439.80M
Peer Median: -
#63 of 1069 Top 5.8% in 100M-500M tier
63
Loan-to-Member Ratio (LMR)
engagement
Value: $17,619
Peer Median: -
#63 of 1069 Top 5.8% in 100M-500M tier
67
Average Member Relationship (AMR)
engagement
Value: $39,444
Peer Median: -
#67 of 1069 Top 6.2% in 100M-500M tier

Top Weaknesses (4 metrics)

975
First Mortgage Concentration (%)
balance_sheet
Value: 55.52%
Peer Median: -
#975 of 1069 Bottom 8.9% in 100M-500M tier
842
Net Interest Margin (NIM)
profitability
Value: 3.08%
Peer Median: -
#842 of 1069 Bottom 21.3% in 100M-500M tier
833
Member Growth Rate
growth
Value: -2.63%
Peer Median: -
#833 of 1069 Bottom 22.2% in 100M-500M tier
826
Efficiency Ratio
profitability
Value: 84.57%
Peer Median: -
#826 of 1069 Bottom 22.8% in 100M-500M tier
Link copied to clipboard!