BlastPoint's Credit Union Scorecard
PENINSULA GEN HOSP&MED CENTR EMPLS
Charter #23125 · MD
2556 CUs in <100M nationally
28 in MD
PENINSULA GEN HOSP&MED CENTR EMPLS has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 1.01% 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 Worth Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.7% YoY
- - Loan Growth Rate: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Member Growth Rate: Bottom 5.6% in tier
- - Total Loans: Bottom 7.1% in tier
- - Fee Income Per Member: Bottom 7.7% in tier
- - Asset Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
820
-9.7% YoY-1.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$3.4M
-7.2% YoY-13.6% QoQ
|
$-26.8M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.0% in tier |
| Loans |
$455,488
-23.9% YoY-8.8% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.1% in tier |
| Deposits |
$2.3M
-12.4% YoY-18.9% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.8% in tier |
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| ROA |
1.8%
-8.6% YoY-6.6% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Top 10.1% in tier |
| NIM |
5.0%
+1.4% YoY+1.7% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
64.3%
+6.5% YoY+5.2% QoQ
|
-18.3% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.4%
-45.6% YoY+168.6% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
19.6%
-13.1% YoY+12.5% QoQ
|
-41.0% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.4% in tier |
| AMR |
$3,390
-5.3% YoY-16.1% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
139
Net Worth Ratio
risk
Value:
30.98%
Peer Median: -
#139 of 2556
Top 5.4% in <100M tier
259
Return on Assets (ROA)
profitability
Value:
1.78%
Peer Median: -
#259 of 2556
Top 10.1% in <100M tier
388
Net Interest Margin (NIM)
profitability
Value:
4.96%
Peer Median: -
#388 of 2556
Top 15.1% in <100M tier
435
Efficiency Ratio
profitability
Value:
64.26%
Peer Median: -
#435 of 2556
Top 17.0% in <100M tier
553
Net Charge-Off Rate
risk
Value:
0.01%
Peer Median: -
#553 of 2556
Top 21.6% in <100M tier
Top Weaknesses (13 metrics)
2458
Loan Growth Rate
growth
Value:
-23.89%
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2458
Loan-to-Member Ratio (LMR)
engagement
Value:
$555.47
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2446
Deposit Growth Rate
growth
Value:
-12.39%
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2441
Loan-to-Share Ratio
balance_sheet
Value:
19.60%
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2428
Average Member Relationship (AMR)
engagement
Value:
$3,390
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2413
Member Growth Rate
growth
Value:
-9.69%
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2375
Total Loans
balance_sheet
Value:
$455,488
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2361
Fee Income Per Member
profitability
Value:
$1.35
Peer Median: -
#2361 of 2556
Bottom 7.7% in <100M tier
2339
Asset Growth Rate
growth
Value:
-7.20%
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier
2228
Total Deposits
balance_sheet
Value:
$2.32M
Peer Median: -
#2228 of 2556
Bottom 12.9% in <100M tier