BlastPoint's Credit Union Scorecard

BULL DOG

Charter #18868 · MD

1069 CUs in 100M-500M nationally 16 in MD

BULL DOG has 4 strengths but faces 9 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 0.52% above tier average
+ Net Interest Margin 0.12% 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

- Indirect Auto Dependency: Bottom 74.8% in tier
- Stagnation Risk: Bottom 76.7% in tier
- Membership Headwinds: Bottom 83.5% in tier
- Credit Risk Growth: Bottom 92.3% in tier
- Credit Quality Pressure: Bottom 95.9% in tier
- Delinquency rate 0.66% above tier average
- Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- Loan-to-Share Ratio: Bottom 4.7% in tier
- Average Member Relationship (AMR): Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	21,174 -1.1% YoY-0.1% QoQ	+5.7K	15,437 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	79%
Assets	$234.2M +4.8% YoY-0.4% QoQ	+$2.4M	$231.9M +1.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	59%
Loans	$86.1M +4.3% YoY+0.0% QoQ	$-61.3M	$147.3M -0.1% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	26%
Deposits	$211.0M +0.7% YoY-1.5% QoQ	+$10.2M	$200.8M +0.8% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	61%

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	1.3% +6.4% YoY+7.5% QoQ	+0.5%	0.8% +18.2% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	84%
NIM	3.7% +11.1% YoY+3.2% QoQ	+0.1%	3.6% +6.7% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	64.9% -5.1% YoY-2.1% QoQ	-12.1%	77.0% -3.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	Bottom 15.0% in tier
Delinquency Rate	1.6% +1.0% YoY-6.0% QoQ	+0.7	0.9% +4.2% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	Top 12.4% in tier
Loan To Share	40.8% +3.5% YoY+1.5% QoQ	-31.4%	72.2% -1.1% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	Bottom 4.6% in tier
AMR	$14,030 +2.9% YoY-1.0% QoQ	$-11K	$24,676 +3.4% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	Bottom 6.5% in tier
CD Concentration	0.0%	-24.4%	24.4%	20.4%	19.8%	50%
Indirect Auto %	19.1% -11.8% YoY-5.7% QoQ	+5.3%	13.8%	7.3%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#379 of 506 • Bottom 74.8% in tier

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

Why This Signature

Asset Growth (YoY): 4.79%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 19.11%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Stagnation Risk

risk

#425 of 554 • Bottom 76.7% 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): -1.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.26%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.55%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#463 of 554 • Bottom 83.5% in tier

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

Why This Signature

Member Growth (YoY): -1.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#421 of 456 • Bottom 92.3% in tier

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

Why This Signature

Loan Growth (YoY): 4.26%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#676 of 705 • Bottom 95.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.83%

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

161

Efficiency Ratio

profitability

Value: 64.89%

Peer Median: -

#161 of 1069 Top 15.0% in 100M-500M tier

171

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

208

Members Per Employee (MPE)

engagement

Value: 399.509

Peer Median: -

#208 of 1069 Top 19.4% in 100M-500M tier

226

Total Members

engagement

Value: 21,174

Peer Median: -

#226 of 1069 Top 21.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1050

Loan-to-Member Ratio (LMR)

engagement

Value: $4,066

Peer Median: -

#1050 of 1069 Bottom 1.9% in 100M-500M tier

1020

Loan-to-Share Ratio

balance_sheet

Value: 40.80%

Peer Median: -

#1020 of 1069 Bottom 4.7% in 100M-500M tier

999

Average Member Relationship (AMR)

engagement

Value: $14,030

Peer Median: -

#999 of 1069 Bottom 6.6% in 100M-500M tier

947

Net Charge-Off Rate

risk

Value: 0.95%

Peer Median: -

#947 of 1069 Bottom 11.5% in 100M-500M tier

937

Total Delinquency Rate (60+ days)

risk

Value: 1.55%

Peer Median: -

#937 of 1069 Bottom 12.4% in 100M-500M tier

843

Deposit Growth Rate

growth

Value: 0.71%

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier