BlastPoint's Credit Union Scorecard
FEDFINANCIAL
Charter #216 · MD
FEDFINANCIAL has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 7.2% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Member decline: -5.7% YoY
- - Net Worth Ratio: Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits -2.3% year over year ($69.3M in shares and deposits).
- Membership: 3,658 members, -5.7% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 0.47%.
- Efficiency ratio 86.44% vs a 88.77% peer average.
- Loan-to-share ratio 32.37% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,658
-5.7% YoY-0.4% QoQ
|
+1.1K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$76.8M
-1.6% YoY-1.2% QoQ
|
+$46.5M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 9.2% in tier |
| Loans |
$22.5M
-1.2% YoY-1.8% QoQ
|
+$7.0M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$69.3M
-2.3% YoY-1.5% QoQ
|
+$43.5M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 7.2% in tier |
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| ROA |
0.5%
+349.7% YoY+41.8% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.6%
+9.4% YoY+0.2% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
86.4%
-5.2% YoY-1.0% QoQ
|
-2.3% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.8%
+12.8% YoY-49.9% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
32.4%
+1.1% YoY-0.2% QoQ
|
-26.5% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.7% in tier |
| AMR |
$25,095
+3.8% YoY-1.2% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Top 9.0% in tier |
| CD Concentration |
19.4%
-3.2% YoY+1.2% QoQ
|
-5.2% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 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)