BlastPoint's Credit Union Scorecard
ABERDEEN PROVING GROUND
Charter #2540 · MD
ABERDEEN PROVING GROUND has 10 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.8% in tier
- + Profitability Leader: Top 57.5% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.70% above tier average
- + Strong member growth: 8.6% YoY
- + Total Members: Top 3.3% in tier
- + Total Loans: Top 5.3% in tier
- + Member Growth Rate: Top 7.2% in tier
- + First Mortgage Concentration (%): Top 8.6% in tier
- + Total Deposits: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.1% in tier
- - Liquidity Strain: Bottom 12.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
180,743
+8.6% YoY+3.3% QoQ
|
+82.1K |
98,678
-1.9% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 3.6% in tier |
| Assets |
$2.5B
+7.3% YoY+2.4% QoQ
|
+$806.9M |
$1.7B
+0.5% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 14.8% in tier |
| Loans |
$2.1B
+12.4% YoY+3.6% QoQ
|
+$904.9M |
$1.2B
+0.5% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 5.6% in tier |
| Deposits |
$2.3B
+6.6% YoY+2.1% QoQ
|
+$799.7M |
$1.5B
+1.3% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 9.9% in tier |
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| ROA |
1.2%
+238.2% YoY+81.9% QoQ
|
+0.5% |
0.7%
+13.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Top 12.8% in tier |
| NIM |
4.0%
+12.8% YoY-0.2% QoQ
|
+0.7% |
3.3%
+9.3% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Top 12.5% in tier |
| Efficiency Ratio |
63.3%
-14.4% YoY-8.4% QoQ
|
-10.6% |
74.0%
-10.9% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
0.7%
-11.2% YoY-4.2% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
94.9%
+5.5% YoY+1.5% QoQ
|
+9.7% |
85.2%
-0.8% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$24,299
+0.7% YoY-0.5% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
36.1%
+0.8% YoY+3.9% QoQ
|
+7.1% |
29.0%
+0.7% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
80% |
| Indirect Auto % |
40.4%
-1.7% YoY-1.7% QoQ
|
+21.7% |
18.8%
-3.0% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
Top 11.3% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)