BlastPoint's Credit Union Scorecard
NONE SUFFER LACK
Charter #24657 · MD
NONE SUFFER LACK has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.8% in tier
- + AMR Growth Rate: Top 4.2% in tier
- + Efficiency Ratio: Top 5.2% in tier
- + Asset Growth Rate: Top 6.7% in tier
- + Deposit Growth Rate: Top 7.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - Loan-to-Share Ratio: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,947
-2.3% YoY-1.5% QoQ
|
-678 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$27.5M
+10.9% YoY+3.2% QoQ
|
$-2.3M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$2.8M
+34.1% YoY+8.3% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$22.4M
+10.8% YoY+3.3% QoQ
|
$-3.1M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
1.8%
+23.6% YoY+9.8% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Top 12.9% in tier |
| NIM |
2.8%
+22.0% YoY+4.0% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio |
47.7%
-11.5% YoY-2.9% QoQ
|
-33.7% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
12.3%
+21.1% YoY+4.9% QoQ
|
-48.9% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.2% in tier |
| AMR |
$12,920
+15.5% YoY+5.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
14.2%
+3.7% QoQ
|
-10.2% |
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)
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)