BlastPoint's Credit Union Scorecard

BULL DOG

Charter #18868 · MD

100M-500M

1070 CUs in 100M-500M nationally 15 in MD

BULL DOG has 2 strengths but faces 8 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

+ ROA 0.18% above tier average
+ First Mortgage Concentration (%): Top 2.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- Loan-to-Share Ratio: Bottom 4.8% in tier
- Average Member Relationship (AMR): Bottom 7.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	21,251 -1.2% YoY+0.4% QoQ	+6.1K	15,145 -2.5% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	80%
Assets	$241.5M +2.4% YoY+3.1% QoQ	+$9.8M	$231.7M +0.8% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	61%
Loans	$88.0M +5.9% YoY+2.2% QoQ	$-56.1M	$144.1M +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	29%
Deposits	$218.7M -0.3% YoY+3.7% QoQ	+$17.6M	$201.1M +0.4% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	63%

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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	0.9% +14.1% YoY-29.7% QoQ	+0.2%	0.7% +5.1% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	64%
NIM	3.7% +3.3% YoY-1.5% QoQ	+0.0%	3.6% +4.6% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	68.7% -2.3% YoY+5.9% QoQ	-9.3%	78.0% -1.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.5% +19.1% YoY-66.6% QoQ	-0.3	0.8% +7.1% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	43%
Loan To Share	40.2% +6.2% YoY-1.4% QoQ	-30.2%	70.4% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	Bottom 4.7% in tier
AMR	$14,433 +2.7% YoY+2.9% QoQ	$-10K	$24,918 +2.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	Bottom 7.3% in tier
CD Concentration	0.0%	-24.3%	24.3%	21.1%	19.8%	50%
Indirect Auto %	18.2% -12.2% YoY-4.6% QoQ	+4.4%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#326 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.94%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#523 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#460 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#445 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.36%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 18.23%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#510 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.94%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.52%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.10%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.76%

Peer Median: 29.47%

#25 of 1070 Top 2.2% in 100M-500M tier

178

Members Per Employee (MPE)

engagement

Value: 416.686

Peer Median: 309.176

#178 of 1070 Top 16.5% in 100M-500M tier

211

Total Members

engagement

Value: 21,251

Peer Median: 13,200

#211 of 1070 Top 19.6% in 100M-500M tier

237

Efficiency Ratio

profitability

Value: 68.71%

Peer Median: 78.68%

#237 of 1070 Top 22.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1046

Loan-to-Member Ratio (LMR)

engagement

Value: $4,141

Peer Median: $9,356

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1020

Loan-to-Share Ratio

balance_sheet

Value: 40.24%

Peer Median: 71.88%

#1020 of 1070 Bottom 4.8% in 100M-500M tier

992

Average Member Relationship (AMR)

engagement

Value: $14,433

Peer Median: $22,931

#992 of 1070 Bottom 7.4% in 100M-500M tier

949

Net Charge-Off Rate

risk

Value: 1.02%

Peer Median: 0.35%

#949 of 1070 Bottom 11.4% in 100M-500M tier

873

Deposit Growth Rate

growth

Value: -0.28%

Peer Median: 3.30%

#873 of 1070 Bottom 18.5% in 100M-500M tier