BlastPoint's Credit Union Scorecard

ABERDEEN PROVING GROUND

Charter #2540 · MD

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 7 in MD
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ABERDEEN PROVING GROUND has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.59% above tier average
  • + Strong member growth: 7.5% YoY
  • + Total Loans: Top 1.3% in tier
  • + Total Members: Top 2.6% in tier
  • + Total Deposits: Top 5.6% in tier
  • + Total Assets: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 16.8% in tier
  • - Liquidity Strain: Bottom 22.2% in tier
  • - ROA 0.24% below tier average
  • - Efficiency ratio 0.56% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 184,732
+7.5% YoY+1.4% QoQ
 +88.7K 96,048
-2.7% YoY
 35,042
+5.0% YoY
 33,913
+5.7% YoY
 Top 2.9% in tier
Assets $2.6B
+9.8% YoY+1.4% QoQ
 +$925.8M $1.7B
+0.4% YoY
 $654.4M
+9.6% YoY
 $578.3M
+9.0% YoY
 Top 10.1% in tier
Loans $2.2B
+11.8% YoY+3.1% QoQ
 +$1.0B $1.2B
+0.2% YoY
 $458.0M
+7.3% YoY
 $402.4M
+8.7% YoY
 Top 1.6% in tier
Deposits $2.4B
+9.8% YoY+1.6% QoQ
 +$903.2M $1.5B
+0.5% YoY
 $558.1M
+9.3% YoY
 $494.3M
+9.1% YoY
 Top 5.9% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.5%
-23.1% YoY-51.8% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.5%
+20.2% YoY
 0.4%
-39.2% YoY
 29%
NIM 3.9%
+0.1% YoY+1.2% QoQ
 +0.6% 3.4%
+6.2% YoY
 3.4%
+2.6% YoY
 3.8%
+4.1% YoY
 Top 13.7% in tier
Efficiency Ratio 75.2%
+8.3% YoY+14.0% QoQ
 +0.6% 74.6%
-3.0% YoY
 82.5%
-2.2% YoY
 84.6%
+2.8% YoY
 50%
Delinquency Rate 0.5%
-31.4% YoY-34.6% QoQ
 -0.3 0.8%
+6.9% YoY
 1.2%
+17.1% YoY
 1.2%
+3.4% YoY
 32%
Loan To Share 94.9%
+1.9% YoY+1.4% QoQ
 +11.7% 83.2%
-0.4% YoY
 63.5%
+1.0% YoY
 65.6%
-1.4% YoY
 80%
AMR $24,994
+3.1% YoY+1.0% QoQ
 $-5K $29,652
+2.3% YoY
 $21,172
+3.9% YoY
 $19,920
+1.6% YoY
 30%
CD Concentration 34.7%
+3.5% YoY-3.3% QoQ
 +5.9% 28.8% 21.1% 19.8% 76%
Indirect Auto % 38.1%
-8.7% YoY-3.4% QoQ
 +20.0% 18.1% 7.3% 7.7% Bottom 12.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#39 of 198 • Bottom 16.8% in tier

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

Why This Signature
Asset Growth (YoY): 9.85%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 38.07%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 7.48%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY

Liquidity Strain

risk
#58 of 148 • Bottom 22.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.92%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 11.85%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (12 metrics)

5
Total Loans
balance_sheet
Value: $2.25B
Peer Median: $1.11B
#5 of 306 Top 1.3% in 1B-3B tier
9
Total Members
engagement
Value: 184,732
Peer Median: 85,918
#9 of 306 Top 2.6% in 1B-3B tier
18
Total Deposits
balance_sheet
Value: $2.37B
Peer Median: $1.31B
#18 of 306 Top 5.6% in 1B-3B tier
31
Total Assets
balance_sheet
Value: $2.65B
Peer Median: $1.51B
#31 of 306 Top 9.8% in 1B-3B tier
39
Member Growth Rate
growth
Value: 7.48%
Peer Median: 2.03%
#39 of 306 Top 12.4% in 1B-3B tier
42
Net Interest Margin (NIM)
profitability
Value: 3.95%
Peer Median: 3.37%
#42 of 306 Top 13.4% in 1B-3B tier
43
First Mortgage Concentration (%)
balance_sheet
Value: 18.73%
Peer Median: 33.05%
#43 of 306 Top 13.7% in 1B-3B tier
48
Asset Growth Rate
growth
Value: 9.85%
Peer Median: 4.82%
#48 of 306 Top 15.4% in 1B-3B tier
48
Loan Growth Rate
growth
Value: 11.85%
Peer Median: 5.67%
#48 of 306 Top 15.4% in 1B-3B tier
48
Deposit Growth Rate
growth
Value: 9.79%
Peer Median: 4.44%
#48 of 306 Top 15.4% in 1B-3B tier

Top Weaknesses (4 metrics)

270
Indirect Auto Concentration (%)
balance_sheet
Value: 38.07%
Peer Median: 13.86%
#270 of 306 Bottom 12.1% in 1B-3B tier
260
Net Worth Ratio
risk
Value: 9.07%
Peer Median: 10.85%
#260 of 306 Bottom 15.4% in 1B-3B tier
239
Share Certificate Concentration (%)
balance_sheet
Value: 34.72%
Peer Median: 27.93%
#239 of 306 Bottom 22.2% in 1B-3B tier
238
Net Charge-Off Rate
risk
Value: 0.79%
Peer Median: 0.51%
#238 of 306 Bottom 22.5% in 1B-3B tier
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