BlastPoint's Credit Union Scorecard
BALTIMORE WASHINGTON
Charter #20719 · MD
BALTIMORE WASHINGTON faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 10.69% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 4.7% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,467
-1.1% YoY-0.1% QoQ
|
-1.2K |
2,683
-1.2% YoY
|
32,248
+4.0% YoY
|
31,195
+5.6% YoY
|
40% |
| Assets |
$8.8M
-11.1% YoY+4.1% QoQ
|
$-20.8M |
$29.5M
+0.1% YoY
|
$570.5M
+6.6% YoY
|
$507.9M
+7.0% YoY
|
30% |
| Loans |
$3.3M
-29.0% YoY-11.2% QoQ
|
$-12.9M |
$16.1M
+0.3% YoY
|
$410.0M
+7.0% YoY
|
$358.1M
+5.9% YoY
|
25% |
| Deposits |
$8.1M
-10.4% YoY+4.9% QoQ
|
$-17.2M |
$25.4M
-0.8% YoY
|
$479.3M
+5.8% YoY
|
$425.3M
+6.5% YoY
|
32% |
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| ROA |
-0.8%
+480.0% YoY+24.1% QoQ
|
-0.7% |
-0.1%
-119.4% YoY
|
0.5%
+60.1% YoY
|
0.2%
-69.3% YoY
|
Bottom 7.1% in tier |
| NIM |
3.7%
+29.8% YoY-2.6% QoQ
|
-0.1% |
3.8%
+12.5% YoY
|
3.3%
+15.4% YoY
|
3.6%
+9.2% YoY
|
48% |
| Efficiency Ratio |
94.1%
-4.0% YoY-3.1% QoQ
|
+10.7% |
83.4%
-1.6% YoY
|
84.2%
-0.1% YoY
|
81.8%
-0.3% YoY
|
80% |
| Delinquency Rate |
1.0%
-49.4% YoY-62.9% QoQ
|
-0.6 |
1.5%
+12.6% YoY
|
1.1%
+10.3% YoY
|
1.2%
+14.8% YoY
|
61% |
| Loan To Share |
40.4%
-20.8% YoY-15.4% QoQ
|
-22.7% |
63.1%
+2.1% YoY
|
65.2%
+2.8% YoY
|
69.2%
+1.2% YoY
|
19% |
| AMR |
$7,781
-15.8% YoY-0.2% QoQ
|
$-7K |
$15,039
+4.8% YoY
|
$19,779
+2.7% YoY
|
$19,175
+3.6% YoY
|
18% |
| CD Concentration |
2.8%
-72.7% YoY-55.2% QoQ
|
-20.7% | 23.4% | 18.5% | 18.5% | 50% |
| Indirect Auto % | 0.0% | -14.8% | 14.8% | 7.1% | 8.1% | 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)