BlastPoint's Credit Union Scorecard
FIVE STAR OF MARYLAND
Charter #19668 · MD
FIVE STAR OF MARYLAND has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.73% above tier (higher cost structure)
- - Member decline: -5.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,651
-5.0% YoY-2.6% QoQ
|
+3.0K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$62.2M
-2.7% YoY+1.2% QoQ
|
+$32.0M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$24.6M
-5.8% YoY+0.5% QoQ
|
+$9.3M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$54.1M
-3.7% YoY+2.8% QoQ
|
+$28.3M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.4%
+16.2% YoY+31.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.6%
+5.3% YoY-1.3% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
92.4%
+0.2% YoY-0.8% QoQ
|
+1.7% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
0.1%
-55.8% YoY-27.3% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
45.5%
-2.2% YoY-2.2% QoQ
|
-13.0% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$13,921
+0.7% YoY+4.7% QoQ
|
$-963 |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
12.1%
+5.1% YoY-3.5% QoQ
|
-12.2% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)