BlastPoint's Credit Union Scorecard
NONE SUFFER LACK
Charter #24657 · MD
NONE SUFFER LACK has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.33% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.3% in tier
- + Efficiency Ratio: Top 2.8% in tier
- + Members Per Employee (MPE): Top 5.7% in tier
- + AMR Growth Rate: Top 7.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Asset Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 2.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,950
-1.9% YoY+0.2% QoQ
|
-665 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$27.9M
+9.2% YoY+1.5% QoQ
|
$-2.2M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$2.6M
+25.8% YoY-5.8% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$22.6M
+8.6% YoY+1.0% QoQ
|
$-3.1M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
2.0%
+28.9% YoY+8.6% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Top 7.4% in tier |
| NIM |
2.8%
+19.5% YoY+1.9% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio |
45.7%
-12.2% YoY-4.2% QoQ
|
-36.9% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.8% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
11.5%
+15.9% YoY-6.7% QoQ
|
-49.1% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.0% in tier |
| AMR |
$12,939
+12.2% YoY+0.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
15.1%
+41.8% YoY+6.7% QoQ
|
-9.3% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)