FIVE STAR OF MARYLAND
Charter #19668 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
FIVE STAR OF MARYLAND has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 15.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 7.0% in tier
- + Asset Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 12.50% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,763
+15.3% YoY-1.0% QoQ
|
+3.1K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 10.5% in tier |
| Assets |
$61.7M
+10.7% YoY-1.5% QoQ
|
+$31.9M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 16.1% in tier |
| Loans |
$24.2M
-5.1% YoY-2.9% QoQ
|
+$8.4M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 24.1% in tier |
| Deposits |
$53.8M
+11.2% YoY-1.9% QoQ
|
+$28.3M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 15.8% in tier |
| ROA |
0.3%
+45.7% YoY+2.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
26th in tier |
| NIM |
3.5%
+12.2% YoY+2.2% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
36th in tier |
| Efficiency Ratio |
93.9%
+0.5% YoY+0.6% QoQ
|
+12.5% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 17.6% in tier |
| Delinquency Rate |
0.1%
-70.6% YoY-51.9% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.6% in tier |
| Loan To Share |
45.0%
-14.7% YoY-1.0% QoQ
|
-16.2% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
25th in tier |
| AMR |
$13,525
-8.4% YoY-1.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
49th in tier |
| CD Concentration |
12.3%
-6.5% YoY+5.2% QoQ
|
-12.1% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
64
Member Growth Rate
growth
Value:
15.26%
Peer Avg: 14.92%
#64 of 2596
Top 2.4% in <100M tier
182
Deposit Growth Rate
growth
Value:
11.25%
Peer Avg: 16.80%
#182 of 2596
Top 7.0% in <100M tier
191
Asset Growth Rate
growth
Value:
10.66%
Peer Avg: 1.82%
#191 of 2596
Top 7.3% in <100M tier
272
Total Members
engagement
Value:
5,763
Peer Avg: 2,626
#272 of 2596
Top 10.4% in <100M tier
411
Total Deposits
balance_sheet
Value:
$53.76M
Peer Avg: $25.45M
#411 of 2596
Top 15.8% in <100M tier
418
Total Assets
balance_sheet
Value:
$61.74M
Peer Avg: $29.86M
#418 of 2596
Top 16.1% in <100M tier
484
Total Delinquency Rate (60+ days)
risk
Value:
0.07%
Peer Avg: 1.51%
#484 of 2596
Top 18.6% in <100M tier
626
Total Loans
balance_sheet
Value:
$24.19M
Peer Avg: $15.77M
#626 of 2596
Top 24.1% in <100M tier
Top Weaknesses (3 metrics)
2334
AMR Growth Rate
growth
Value:
-8.38%
Peer Avg: 4.67%
#2334 of 2596
Bottom 10.1% in <100M tier
2226
First Mortgage Concentration (%)
balance_sheet
Value:
37.62%
Peer Avg: 14.49%
#2226 of 2596
Bottom 14.3% in <100M tier
2139
Efficiency Ratio
profitability
Value:
93.90%
Peer Avg: 81.39%
#2139 of 2596
Bottom 17.6% in <100M tier