BlastPoint's Credit Union Scorecard
NONE SUFFER LACK
Charter #24657 · MD
NONE SUFFER LACK has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.73% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Members Per Employee (MPE): Top 5.7% in tier
- + Loan Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,947
-1.8% YoY-0.2% QoQ
|
-729 |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$28.6M
+7.8% YoY+2.3% QoQ
|
$-1.6M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$2.6M
+10.5% YoY+0.9% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$23.1M
+6.7% YoY+2.1% QoQ
|
$-2.7M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
1.9%
+11.7% YoY-3.9% QoQ
|
+1.7% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
Top 8.2% in tier |
| NIM |
2.9%
+16.1% YoY+4.6% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
39.6%
-0.7% YoY-13.2% QoQ
|
-51.0% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Top 2.0% in tier |
| Delinquency Rate | 0.0% | -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 |
11.3%
+3.6% YoY-1.2% QoQ
|
-47.2% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.1% in tier |
| AMR |
$13,220
+9.1% YoY+2.2% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
15.7%
+25.4% YoY+3.4% QoQ
|
-8.6% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)