MID-ATLANTIC

Charter #18716 | MD

100M-500M (1077 CUs) Micro
16 100M-500M in MD

MID-ATLANTIC has 9 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.7% in tier
  • + Wallet Share Momentum: Top 13.9% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 3.5% in tier
  • + Total Loans: Top 4.9% in tier
  • + Total Deposits: Top 4.9% in tier
  • + Total Assets: Top 5.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.7% in tier
  • + Average Member Relationship (AMR): Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 0.0% in tier
  • - Stagnation Risk: Bottom 2.6% in tier
  • - Membership Headwinds: Bottom 8.6% in tier
  • - Credit Quality Pressure: Bottom 10.6% in tier
  • - Institutional Decline: Bottom 13.1% in tier
  • - Efficiency Drag: Bottom 29.1% in tier
  • - ROA 0.10% below tier average
  • - Efficiency ratio 4.60% above tier (higher cost structure)
  • - Delinquency rate 0.15% above tier average
  • - Member decline: -4.4% YoY
  • - First Mortgage Concentration (%): Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 17,902
-4.4% YoY-0.6% QoQ
 +2.3K 15,628
-3.4% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $439.5M
+3.7% YoY-0.6% QoQ
 +$208.2M $231.3M
-0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 5.5% in tier
Loans $311.2M
-1.2% YoY-0.7% QoQ
 +$163.4M $147.8M
-1.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 5.0% in tier
Deposits $387.2M
+3.4% YoY-0.7% QoQ
 +$186.9M $200.3M
-0.0% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 5.0% in tier
ROA 0.7%
-65.0% YoY+2.9% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 44th in tier
NIM 3.1%
-6.6% YoY+1.5% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Bottom 21.3% in tier
Efficiency Ratio 81.9%
+39.7% YoY+0.2% QoQ
 +4.6% 77.3%
-3.0% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 1.0%
+42.5% YoY-19.6% QoQ
 +0.1 0.9%
+7.6% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 80.4%
-4.4% YoY+0.1% QoQ
 +7.7% 72.7%
-1.5% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 64th in tier
AMR $39,012
+5.9% YoY-0.1% QoQ
 +$15K $24,363
+2.9% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 Top 6.3% in tier
CD Concentration 30.4%
+12.3% YoY+4.4% QoQ
 +6.0% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#75 of 1006 • Top 2.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.91%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $6.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#384 of 1006 • Top 13.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.91%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Cost Spiral

risk
#1 of 62 • Bottom 0.0% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 23.29% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $439.50M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Stagnation Risk

risk
#44 of 550 • Bottom 2.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.68%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $39.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 30.41%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#142 of 550 • Bottom 8.6% in tier

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

Why This Signature
Member Growth (YoY): -4.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#263 of 736 • Bottom 10.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.30% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Institutional Decline

decline
#104 of 256 • Bottom 13.1% in tier

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

Why This Signature
Total Assets: $439.50M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -4.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.17%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Efficiency Drag

risk
#514 of 521 • Bottom 29.1% in tier

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

Why This Signature
Efficiency Ratio: 81.87%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.27% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -4.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
39
Net Charge-Off Rate
risk
Value: 0.02%
Peer Avg: 0.47%
#39 of 1077 Top 3.5% in 100M-500M tier
54
Total Loans
balance_sheet
Value: $311.16M
Peer Avg: $147.80M
#54 of 1077 Top 4.9% in 100M-500M tier
54
Total Deposits
balance_sheet
Value: $387.23M
Peer Avg: $200.29M
#54 of 1077 Top 4.9% in 100M-500M tier
59
Total Assets
balance_sheet
Value: $439.50M
Peer Avg: $231.30M
#59 of 1077 Top 5.4% in 100M-500M tier
62
Loan-to-Member Ratio (LMR)
engagement
Value: $17,381
Peer Avg: $10,245
#62 of 1077 Top 5.7% in 100M-500M tier
68
Average Member Relationship (AMR)
engagement
Value: $39,012
Peer Avg: $24,363
#68 of 1077 Top 6.2% in 100M-500M tier

Top Weaknesses (3 metrics)

978
First Mortgage Concentration (%)
balance_sheet
Value: 54.98%
Peer Avg: 30.43%
#978 of 1077 Bottom 9.3% in 100M-500M tier
956
Member Growth Rate
growth
Value: -4.35%
Peer Avg: 0.72%
#956 of 1077 Bottom 11.3% in 100M-500M tier
848
Net Interest Margin (NIM)
profitability
Value: 3.05%
Peer Avg: 3.58%
#848 of 1077 Bottom 21.4% in 100M-500M tier