BlastPoint's Credit Union Scorecard
1897
Charter #23125 · MD
<100M
2508 CUs in <100M nationally
27 in MD
1897 has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 0.27% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.6% in tier
- + Net Worth Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.5% YoY
- - Loan Growth Rate: Bottom 2.1% in tier
- - Loan-to-Share Ratio: Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Member Growth Rate: Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 5.7% in tier
- - Total Loans: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
779
-12.5% YoY-5.0% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$3.6M
-4.5% YoY+5.2% QoQ
|
$-26.6M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.4% in tier |
| Loans |
$385,391
-32.7% YoY-15.4% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.4% in tier |
| Deposits |
$2.5M
-7.9% YoY+7.4% QoQ
|
$-23.3M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.4% in tier |
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| ROA |
0.6%
-77.0% YoY-67.3% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
4.3%
-22.6% YoY-13.8% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
86.5%
+59.1% YoY+34.6% QoQ
|
-4.1% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
15.4%
-26.9% YoY-21.2% QoQ
|
-43.1% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.1% in tier |
| AMR |
$3,699
+0.3% YoY+9.1% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.6% in tier |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
15
Net Charge-Off Rate
risk
Value:
-2.55%
Peer Median: 0.07%
#15 of 2508
Top 0.6% in <100M tier
151
Net Worth Ratio
risk
Value:
29.61%
Peer Median: 14.28%
#151 of 2508
Top 6.0% in <100M tier
Top Weaknesses (12 metrics)
2457
Loan Growth Rate
growth
Value:
-32.69%
Peer Median: -2.36%
#2457 of 2508
Bottom 2.1% in <100M tier
2427
Loan-to-Share Ratio
balance_sheet
Value:
15.44%
Peer Median: 58.72%
#2427 of 2508
Bottom 3.3% in <100M tier
2417
Loan-to-Member Ratio (LMR)
engagement
Value:
$494.73
Peer Median: $4,923
#2417 of 2508
Bottom 3.7% in <100M tier
2401
Member Growth Rate
growth
Value:
-12.47%
Peer Median: -1.37%
#2401 of 2508
Bottom 4.3% in <100M tier
2367
Average Member Relationship (AMR)
engagement
Value:
$3,699
Peer Median: $13,926
#2367 of 2508
Bottom 5.7% in <100M tier
2348
Total Loans
balance_sheet
Value:
$385,391
Peer Median: $9.48M
#2348 of 2508
Bottom 6.4% in <100M tier
2258
Deposit Growth Rate
growth
Value:
-7.93%
Peer Median: 0.66%
#2258 of 2508
Bottom 10.0% in <100M tier
2232
Fee Income Per Member
profitability
Value:
$2.27
Peer Median: $60.42
#2232 of 2508
Bottom 11.0% in <100M tier
2172
Total Deposits
balance_sheet
Value:
$2.50M
Peer Median: $18.77M
#2172 of 2508
Bottom 13.4% in <100M tier
2146
Total Assets
balance_sheet
Value:
$3.56M
Peer Median: $21.86M
#2146 of 2508
Bottom 14.5% in <100M tier