BlastPoint's Credit Union Scorecard
MID-ATLANTIC
Charter #18716 · 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 |
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| 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
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)