BlastPoint's Credit Union Scorecard

FEDFINANCIAL

Charter #216 · MD

<100M

2508 CUs in <100M nationally 27 in MD

FEDFINANCIAL has 4 strengths but faces 3 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 0.19% above tier average
+ Total Deposits: Top 6.4% in tier
+ Average Member Relationship (AMR): Top 7.9% in tier
+ Total Assets: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.14% above tier average
- Member decline: -5.8% YoY
- Net Worth Ratio: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	3,671 -5.8% YoY-0.4% QoQ	+994	2,676 +1.6% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	76%
Assets	$77.7M -0.8% YoY+1.5% QoQ	+$47.5M	$30.2M +1.3% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Top 8.7% in tier
Loans	$22.9M -1.8% YoY-4.0% QoQ	+$7.6M	$15.3M -2.0% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	75%
Deposits	$70.4M -1.2% YoY+1.7% QoQ	+$44.6M	$25.8M +0.7% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Top 6.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +9.7% QoQ	+0.2%	0.1% -77.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	37%
NIM	3.6% +10.9% YoY+3.0% QoQ	-0.4%	4.0% +4.0% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	87.3% -8.1% YoY-0.6% QoQ	-3.3%	90.6% +6.5% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	1.6% +94.4% YoY+46.6% QoQ	+0.1	1.5% +3.8% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	76%
Loan To Share	32.5% -0.5% YoY-5.6% QoQ	-26.1%	58.5% -3.0% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	Bottom 13.7% in tier
AMR	$25,408 +4.7% YoY+0.6% QoQ	+$11K	$14,884 -1.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	Top 7.9% in tier
CD Concentration	19.1% -0.4% YoY-1.0% QoQ	-5.1%	24.3%	21.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.3%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

161

Total Deposits

balance_sheet

Value: $70.42M

Peer Median: $18.77M

#161 of 2508 Top 6.4% in <100M tier

199

Average Member Relationship (AMR)

engagement

Value: $25,408

Peer Median: $13,926

#199 of 2508 Top 7.9% in <100M tier

217

Total Assets

balance_sheet

Value: $77.69M

Peer Median: $21.86M

#217 of 2508 Top 8.6% in <100M tier

603

Fee Income Per Member

profitability

Value: $111.63

Peer Median: $60.42

#603 of 2508 Top 24.0% in <100M tier

603

Total Members

engagement

Value: 3,671

Peer Median: 1,918

#603 of 2508 Top 24.0% in <100M tier

627

Total Loans

balance_sheet

Value: $22.85M

Peer Median: $9.48M

#627 of 2508 Top 25.0% in <100M tier

Top Weaknesses (5 metrics)

2295

Net Worth Ratio

risk

Value: 8.70%

Peer Median: 14.28%

#2295 of 2508 Bottom 8.5% in <100M tier

2208

First Mortgage Concentration (%)

balance_sheet

Value: 42.46%

Peer Median: 3.66%

#2208 of 2508 Bottom 12.0% in <100M tier

2163

Loan-to-Share Ratio

balance_sheet

Value: 32.45%

Peer Median: 58.72%

#2163 of 2508 Bottom 13.8% in <100M tier

2153

Member Growth Rate

growth

Value: -5.78%

Peer Median: -1.37%

#2153 of 2508 Bottom 14.2% in <100M tier

1919

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Median: 0.65%

#1919 of 2508 Bottom 23.5% in <100M tier