BlastPoint's Credit Union Scorecard

BULL DOG

Charter #18868 · MD

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

BULL DOG has 5 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

+ Profitability Leader: Top 81.7% in tier
+ ROA 0.41% above tier average
+ Net Interest Margin 0.03% above tier average
+ Share Certificate Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 2.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.4% in tier
- Credit Risk Growth: Bottom 15.1% in tier
- Stagnation Risk: Bottom 20.4% in tier
- Indirect Auto Dependency: Bottom 22.3% in tier
- Membership Headwinds: Bottom 24.2% in tier
- Margin Compression: Bottom 24.3% in tier
- Delinquency rate 0.79% above tier average
- Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- Loan-to-Share Ratio: Bottom 4.5% in tier
- Average Member Relationship (AMR): Bottom 7.1% in tier
- Net Charge-Off Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	21,191 -1.5% YoY-2.0% QoQ	+5.6K	15,628 -3.4% YoY	34,720 +7.7% YoY	33,089 +6.1% YoY	78%
Assets	$235.2M +3.4% YoY-1.2% QoQ	+$3.9M	$231.3M -0.0% YoY	$624.1M +9.4% YoY	$547.7M +7.8% YoY	60%
Loans	$86.1M +4.4% YoY+1.8% QoQ	$-61.7M	$147.8M -1.4% YoY	$452.1M +10.3% YoY	$388.7M +8.6% YoY	26%
Deposits	$214.2M +1.7% YoY-2.9% QoQ	+$14.0M	$200.3M -0.0% YoY	$528.8M +10.3% YoY	$464.6M +9.3% YoY	62%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% -8.1% YoY+31.0% QoQ	+0.4%	0.8% +15.5% YoY	0.6% +23.1% YoY	0.7% +273.4% YoY	78%
NIM	3.6% +9.4% YoY+2.1% QoQ	+0.0%	3.6% +6.9% YoY	3.5% +4.2% YoY	3.7% +5.0% YoY	52%
Efficiency Ratio	66.3% -2.2% YoY-5.0% QoQ	-11.0%	77.3% -3.0% YoY	78.6% -6.6% YoY	79.1% -3.3% YoY	17%
Delinquency Rate	1.7% +19.8% YoY+26.7% QoQ	+0.8	0.9% +7.6% YoY	1.2% +5.3% YoY	1.2% -0.9% YoY	Top 11.5% in tier
Loan To Share	40.2% +2.7% YoY+4.8% QoQ	-32.5%	72.7% -1.5% YoY	65.0% -0.2% YoY	68.0% -1.7% YoY	Bottom 4.4% in tier
AMR	$14,173 +4.0% YoY+0.4% QoQ	$-10K	$24,363 +2.9% YoY	$20,685 +4.6% YoY	$19,418 +1.3% YoY	Bottom 7.0% in tier
CD Concentration	0.0%	-24.4%	24.4% +4.2% YoY	20.4% +10.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	20.3% -12.8% YoY-0.6% QoQ	+6.3%	14.0% -5.7% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#278 of 340 • Top 81.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.20%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk

#284 of 736 • Bottom 11.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.27% 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

Credit Risk Growth

risk

#227 of 446 • Bottom 15.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.42%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.27% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Stagnation Risk

risk

#337 of 550 • Bottom 20.4% 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): -1.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.42%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.65%

(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

Indirect Auto Dependency

risk

#360 of 525 • Bottom 22.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.38%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 20.26%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline

#399 of 550 • Bottom 24.2% in tier

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

Why This Signature

Member Growth (YoY): -1.45%

(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

Margin Compression

decline

#103 of 136 • Bottom 24.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.20%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.30%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 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 (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

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

First Mortgage Concentration (%)

balance_sheet

Value: 0.95%

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

183

Efficiency Ratio

profitability

Value: 66.28%

Peer Avg: -

#183 of 1077 Top 16.9% in 100M-500M tier

213

Members Per Employee (MPE)

engagement

Value: 399.830

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

234

Total Members

engagement

Value: 21,191

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

236

Return on Assets (ROA)

profitability

Value: 1.20%

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1055

Loan-to-Member Ratio (LMR)

engagement

Value: $4,063

Peer Avg: -

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1030

Loan-to-Share Ratio

balance_sheet

Value: 40.18%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

1002

Average Member Relationship (AMR)

engagement

Value: $14,173

Peer Avg: -

#1002 of 1077 Bottom 7.1% in 100M-500M tier

985

Net Charge-Off Rate

risk

Value: 1.07%

Peer Avg: -

#985 of 1077 Bottom 8.6% in 100M-500M tier

954

Total Delinquency Rate (60+ days)

risk

Value: 1.65%

Peer Avg: -

#954 of 1077 Bottom 11.5% in 100M-500M tier