BlastPoint's Credit Union Scorecard
1897
Charter #23125 · MD
1897 has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.1% in tier
- + Net Worth Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 10.37% above tier (higher cost structure)
- - Member decline: -8.3% YoY
- - Loan Growth Rate: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Total Loans: Bottom 5.9% 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 -8.3% year over year ($2.5M in shares and deposits).
- Membership: 775 members, -8.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.03%.
- Efficiency ratio 99.14% vs a 88.77% peer average.
- Loan-to-share ratio 13.99% 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 |
775
-8.3% YoY-0.5% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$3.6M
-5.4% YoY+0.1% QoQ
|
$-26.7M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.1% in tier |
| Loans |
$349,922
-33.6% YoY-9.2% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.8% in tier |
| Deposits |
$2.5M
-8.3% YoY+0.2% QoQ
|
$-23.3M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.1% in tier |
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| ROA |
0.0%
-98.5% YoY-94.0% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.4% in tier |
| NIM |
4.0%
-22.8% YoY-6.4% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
99.1%
+74.5% YoY+14.6% QoQ
|
+10.4% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
14.0%
-27.6% YoY-9.4% QoQ
|
-44.9% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.7% in tier |
| AMR |
$3,679
-4.5% YoY-0.5% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.6% in tier |
| CD Concentration | 0.0% | -24.6% | 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)