BlastPoint's Credit Union Scorecard
PENINSULA GEN HOSP&MED CENTR EMPLS
Charter #23125 · MD
2596 CUs in <100M nationally
28 in MD
PENINSULA GEN HOSP&MED CENTR EMPLS has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.23% above tier average
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.7% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.5% YoY
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - Deposit Growth Rate: Bottom 5.9% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
- - Total Loans: Bottom 7.6% in tier
- - Fee Income Per Member: Bottom 9.0% in tier
- - Member Growth Rate: Bottom 9.4% in tier
- - Asset Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
833
-7.5% YoY-1.4% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$3.9M
-6.9% YoY+4.1% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$499,313
-20.4% YoY-5.2% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.5% in tier |
| Deposits |
$2.9M
-11.3% YoY+5.1% QoQ
|
$-22.6M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
1.9%
+3.8% YoY-15.2% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Top 10.6% in tier |
| NIM |
4.9%
+5.1% YoY-5.8% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
61.1%
+0.9% YoY+7.5% QoQ
|
-20.3% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.2%
-73.5% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
17.4%
-10.2% YoY-9.8% QoQ
|
-43.8% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.5% in tier |
| AMR |
$4,041
-5.7% YoY+4.9% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.5% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
96
Net Charge-Off Rate
risk
Value:
-0.14%
Peer Avg: -
#96 of 2596
Top 3.7% in <100M tier
238
Net Worth Ratio
risk
Value:
26.52%
Peer Avg: -
#238 of 2596
Top 9.1% in <100M tier
275
Return on Assets (ROA)
profitability
Value:
1.91%
Peer Avg: -
#275 of 2596
Top 10.6% in <100M tier
403
Efficiency Ratio
profitability
Value:
61.10%
Peer Avg: -
#403 of 2596
Top 15.5% in <100M tier
438
Net Interest Margin (NIM)
profitability
Value:
4.88%
Peer Avg: -
#438 of 2596
Top 16.8% in <100M tier
643
Total Delinquency Rate (60+ days)
risk
Value:
0.16%
Peer Avg: -
#643 of 2596
Top 24.7% in <100M tier
Top Weaknesses (13 metrics)
2500
Loan-to-Share Ratio
balance_sheet
Value:
17.42%
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier
2487
Loan-to-Member Ratio (LMR)
engagement
Value:
$599.42
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2445
Deposit Growth Rate
growth
Value:
-11.35%
Peer Avg: -
#2445 of 2596
Bottom 5.9% in <100M tier
2444
Loan Growth Rate
growth
Value:
-20.35%
Peer Avg: -
#2444 of 2596
Bottom 5.9% in <100M tier
2426
Average Member Relationship (AMR)
engagement
Value:
$4,041
Peer Avg: -
#2426 of 2596
Bottom 6.6% in <100M tier
2401
Total Loans
balance_sheet
Value:
$499,313
Peer Avg: -
#2401 of 2596
Bottom 7.6% in <100M tier
2364
Fee Income Per Member
profitability
Value:
$1.52
Peer Avg: -
#2364 of 2596
Bottom 9.0% in <100M tier
2352
Member Growth Rate
growth
Value:
-7.55%
Peer Avg: -
#2352 of 2596
Bottom 9.4% in <100M tier
2345
Asset Growth Rate
growth
Value:
-6.90%
Peer Avg: -
#2345 of 2596
Bottom 9.7% in <100M tier
2199
Total Deposits
balance_sheet
Value:
$2.87M
Peer Avg: -
#2199 of 2596
Bottom 15.3% in <100M tier