BlastPoint's Credit Union Scorecard

MID-ATLANTIC

Charter #18716 · MD

1077 CUs in 100M-500M nationally 16 in MD

MID-ATLANTIC has 9 strengths but faces 11 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 41.0% in tier
+ Wallet Share Momentum: Top 79.8% 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	68%
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

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	0.7% -65.0% YoY+2.9% QoQ	-0.1%	0.8% +15.5% YoY	0.6% +23.1% YoY	0.7% +273.4% YoY	44%
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	21%
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	66%
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	70%
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	64%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#106 of 257 • Top 41.0% 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): 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

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#384 of 481 • Top 79.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.91%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Cost Spiral

risk

#1 of 62 • Bottom 0.0% 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: 23.29% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 46.41%

(Tier: 59.95%, National: 63.68%)

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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.17%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.01%

(Tier: 0.85%, National: 1.23%)

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: $331.87M, 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: 3.65%, 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Avg: -

#39 of 1077 Top 3.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $311.16M

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $387.23M

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $439.50M

Peer Avg: -

#59 of 1077 Top 5.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,381

Peer Avg: -

#62 of 1077 Top 5.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,012

Peer Avg: -

#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: -

#978 of 1077 Bottom 9.3% in 100M-500M tier

956

Member Growth Rate

growth

Value: -4.35%

Peer Avg: -

#956 of 1077 Bottom 11.3% in 100M-500M tier

848

Net Interest Margin (NIM)

profitability

Value: 3.05%

Peer Avg: -

#848 of 1077 Bottom 21.4% in 100M-500M tier