ABERDEEN PROVING GROUND

Charter #2540 | MD

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in MD

ABERDEEN PROVING GROUND has 11 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.8% in tier
  • + Relationship Depth Leader: Top 35.5% in tier
  • + Wallet Share Momentum: Top 35.7% 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
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
 54th in tier
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
 74th in tier
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
 31st in tier
CD Concentration 36.1%
+0.8% YoY+3.9% QoQ
 +7.1% 29.0%
+0.8% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 Top 19.5% in tier
Indirect Auto % 40.4%
-1.7% YoY-1.7% QoQ
 +21.6% 18.8%
-2.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 Top 11.3% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#21 of 246 • Top 2.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.58%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.18%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 40.44%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#257 of 264 • Top 35.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.67%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.3K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#259 of 264 • Top 35.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.67%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#57 of 202 • Bottom 9.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.33%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 40.44%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 8.58%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#66 of 183 • Bottom 12.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.85%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.37%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (11 metrics)

11
Total Members
engagement
Value: 180,743
Peer Avg: 98,678
#11 of 304 Top 3.3% in 1B-3B tier
17
Total Loans
balance_sheet
Value: $2.14B
Peer Avg: $1.23B
#17 of 304 Top 5.3% in 1B-3B tier
23
Member Growth Rate
growth
Value: 8.58%
Peer Avg: 2.20%
#23 of 304 Top 7.2% in 1B-3B tier
27
First Mortgage Concentration (%)
balance_sheet
Value: 16.80%
Peer Avg: 34.01%
#27 of 304 Top 8.6% in 1B-3B tier
30
Total Deposits
balance_sheet
Value: $2.25B
Peer Avg: $1.45B
#30 of 304 Top 9.5% in 1B-3B tier
35
Loan Growth Rate
growth
Value: 12.37%
Peer Avg: 5.27%
#35 of 304 Top 11.2% in 1B-3B tier
38
Net Interest Margin (NIM)
profitability
Value: 3.96%
Peer Avg: 3.26%
#38 of 304 Top 12.2% in 1B-3B tier
39
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Avg: 0.70%
#39 of 304 Top 12.5% in 1B-3B tier
40
Efficiency Ratio
profitability
Value: 63.32%
Peer Avg: 73.97%
#40 of 304 Top 12.8% in 1B-3B tier
45
Total Assets
balance_sheet
Value: $2.53B
Peer Avg: $1.72B
#45 of 304 Top 14.5% in 1B-3B tier

Top Weaknesses (4 metrics)

274
Indirect Auto Concentration (%)
balance_sheet
Value: 40.44%
Peer Avg: 18.32%
#274 of 304 Bottom 10.2% in 1B-3B tier
253
Net Worth Ratio
risk
Value: 9.29%
Peer Avg: 11.44%
#253 of 304 Bottom 17.1% in 1B-3B tier
252
Share Certificate Concentration (%)
balance_sheet
Value: 36.08%
Peer Avg: 28.53%
#252 of 304 Bottom 17.4% in 1B-3B tier
242
Net Charge-Off Rate
risk
Value: 0.89%
Peer Avg: 0.60%
#242 of 304 Bottom 20.7% in 1B-3B tier