BlastPoint's Credit Union Scorecard
ABERDEEN PROVING GROUND
Charter #2540 · MD
ABERDEEN PROVING GROUND has 9 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 17.5% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 8.4% YoY
- + Total Loans: Top 3.0% in tier
- + Total Members: Top 3.3% in tier
- + Total Deposits: Top 6.0% in tier
- + Member Growth Rate: Top 7.6% in tier
- + First Mortgage Concentration (%): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.5% in tier
- - Liquidity Strain: Bottom 50.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182,247
+8.4% YoY+0.8% QoQ
|
+84.8K |
97,431
-2.4% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 3.6% in tier |
| Assets |
$2.6B
+10.6% YoY+3.2% QoQ
|
+$885.1M |
$1.7B
+0.9% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Top 11.6% in tier |
| Loans |
$2.2B
+12.0% YoY+2.0% QoQ
|
+$946.6M |
$1.2B
+0.5% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 3.3% in tier |
| Deposits |
$2.3B
+10.3% YoY+3.4% QoQ
|
+$871.2M |
$1.5B
+0.9% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 6.3% in tier |
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| ROA |
1.0%
+43.2% YoY-15.6% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
3.9%
+7.8% YoY-1.6% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 13.6% in tier |
| Efficiency Ratio |
65.9%
-2.3% YoY+4.1% QoQ
|
-8.1% |
74.1%
-9.5% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.7%
-25.9% YoY-4.2% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
93.6%
+1.6% YoY-1.3% QoQ
|
+8.8% |
84.8%
-0.8% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$24,755
+2.5% YoY+1.9% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
35.9%
+4.5% YoY-0.5% QoQ
|
+6.9% | 29.0% | 20.4% | 19.8% | 79% |
| Indirect Auto % |
39.4%
-4.1% YoY-2.5% QoQ
|
+21.1% | 18.3% | 7.3% | 7.8% | Top 11.7% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)