BlastPoint's Credit Union Scorecard
FEDFINANCIAL
Charter #216 · MD
FEDFINANCIAL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 7.0% in tier
- + Total Assets: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 8.18% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Net Worth Ratio: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,879
-3.1% YoY0% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$76.5M
+2.2% YoY-2.0% QoQ
|
+$46.6M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 9.1% in tier |
| Loans |
$23.0M
-5.6% YoY+1.4% QoQ
|
+$7.3M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$69.3M
+1.8% YoY-2.4% QoQ
|
+$43.8M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 7.0% in tier |
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| ROA |
0.2%
+115.8% YoY+73.9% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
3.4%
+12.7% YoY+3.5% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
89.6%
-3.1% YoY-1.8% QoQ
|
+8.2% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.6%
-52.8% YoY-20.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
33.3%
-7.3% YoY+3.9% QoQ
|
-28.0% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.6% in tier |
| AMR |
$23,799
+3.1% YoY-1.5% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 10.2% in tier |
| CD Concentration |
20.2%
+11.1% YoY+1.1% QoQ
|
-4.2% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)