BlastPoint's Credit Union Scorecard
FIVE STAR OF MARYLAND
Charter #19668 · MD
FIVE STAR OF MARYLAND has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 10.57% above tier (higher cost structure)
- - Member decline: -5.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,799
-5.8% YoY+0.6% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 10.0% in tier |
| Assets |
$61.4M
-4.6% YoY-0.5% QoQ
|
+$31.3M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$24.5M
-10.5% YoY+1.2% QoQ
|
+$8.7M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$52.6M
-7.1% YoY-2.1% QoQ
|
+$26.9M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.3%
+30.8% YoY+4.1% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.6%
+14.5% YoY+2.3% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
93.1%
+0.0% YoY-0.8% QoQ
|
+10.6% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.1%
-80.6% YoY+79.3% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
46.5%
-3.7% YoY+3.3% QoQ
|
-14.1% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$13,293
-2.6% YoY-1.7% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
12.5%
+12.2% YoY+1.8% QoQ
|
-11.9% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)