BlastPoint's Credit Union Scorecard
ABERDEEN PROVING GROUND
Charter #2540 · MD
ABERDEEN PROVING GROUND has 8 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
- + ROA 0.09% above tier average
- + Net Interest Margin 0.58% above tier average
- + Strong member growth: 7.5% YoY
- + Total Loans: Top 1.3% in tier
- + Total Members: Top 2.3% in tier
- + Total Deposits: Top 5.0% in tier
- + Total Assets: Top 8.3% in tier
- + Member Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 23.1% in tier
- - Liquidity Strain: Bottom 28.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 7 that size in Maryland.
- Shares and deposits +8.4% year over year ($2.39B in shares and deposits).
- Membership: 188,141 members, +7.5% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.91%.
- Efficiency ratio 71.39% vs a 73.02% peer average.
- Loan-to-share ratio 94.54% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188,141
+7.5% YoY+1.8% QoQ
|
+91.3K |
96,861
-1.9% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 2.7% in tier |
| Assets |
$2.7B
+9.1% YoY+1.7% QoQ
|
+$965.5M |
$1.7B
+0.4% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 8.7% in tier |
| Loans |
$2.3B
+9.6% YoY+0.7% QoQ
|
+$1.0B |
$1.2B
+0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Top 1.7% in tier |
| Deposits |
$2.4B
+8.4% YoY+1.1% QoQ
|
+$930.8M |
$1.5B
+0.5% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 5.3% in tier |
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| ROA |
0.9%
+40.9% YoY+90.5% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
4.0%
+0.8% YoY+1.4% QoQ
|
+0.6% |
3.4%
+6.6% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
71.4%
+3.3% YoY-5.1% QoQ
|
-1.6% |
73.0%
-2.7% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
0.5%
-30.6% YoY+15.6% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
94.5%
+1.1% YoY-0.4% QoQ
|
+9.8% |
84.7%
+0.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$24,756
+1.4% YoY-1.0% QoQ
|
$-5K |
$29,575
+1.5% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
35.8%
+3.1% YoY+3.2% QoQ
|
+6.7% | 29.1% | 21.7% | 20.0% | 79% |
| Indirect Auto % |
35.5%
-13.7% YoY-6.7% QoQ
|
+17.4% | 18.1% | 7.3% | 7.7% | 84% |
Signature Analysis
Strengths (0)
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)