BlastPoint's Credit Union Scorecard
MID-ATLANTIC
Charter #18716 · MD
MID-ATLANTIC has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Total Deposits: Top 4.2% in tier
- + Total Loans: Top 4.4% in tier
- + Total Assets: Top 4.9% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 3.71% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - First Mortgage Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,696
-2.2% YoY-0.4% QoQ
|
+2.6K |
15,145
-2.5% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$448.4M
+1.4% YoY+2.0% QoQ
|
+$216.7M |
$231.7M
+0.8% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
Top 5.0% in tier |
| Loans |
$313.3M
+0.1% YoY+0.0% QoQ
|
+$169.2M |
$144.1M
+0.2% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Top 4.5% in tier |
| Deposits |
$393.5M
+0.5% YoY+1.4% QoQ
|
+$192.4M |
$201.1M
+0.4% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
Top 4.3% in tier |
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| ROA |
0.6%
-6.2% YoY+5.6% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
3.0%
+0.5% YoY-3.4% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
81.7%
-1.7% YoY-3.4% QoQ
|
+3.7% |
78.0%
-1.7% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.7%
-30.1% YoY-32.1% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
79.6%
-0.4% YoY-1.4% QoQ
|
+9.2% |
70.4%
-0.4% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$39,944
+2.5% YoY+1.3% QoQ
|
+$15K |
$24,918
+2.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 6.1% in tier |
| CD Concentration |
29.5%
+7.0% YoY-1.8% QoQ
|
+5.3% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)