BlastPoint's Credit Union Scorecard
SECURITYPLUS
Charter #2769 · MD
SECURITYPLUS has 3 strengths but faces 4 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 Leader: Top 36.5% in tier
- + Organic Growth Engine: Top 36.5% in tier
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.9% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 9.72% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Maryland.
- Shares and deposits +3.0% year over year ($520M in shares and deposits).
- Membership: 35,966 members, +1.3% vs a year ago.
- Delinquency rate 1.45%.
- Return on assets 0.14%.
- Efficiency ratio 86.28% vs a 76.56% peer average.
- Loan-to-share ratio 84.16% vs a 79.33% 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 |
35,966
+1.3% YoY+0.3% QoQ
|
-1.9K |
37,897
-5.0% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$596.9M
+3.4% YoY-1.2% QoQ
|
$-25.5M |
$622.4M
+0.6% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$437.6M
+6.4% YoY+1.3% QoQ
|
+$9.1M |
$428.5M
-0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$519.9M
+3.0% YoY-1.2% QoQ
|
$-19.8M |
$539.8M
+0.9% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.1%
+52.0% QoQ
|
-0.7% |
0.8%
+39.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.2% in tier |
| NIM |
3.6%
+1.9% YoY+4.2% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
86.3%
+12.2% YoY-3.9% QoQ
|
+9.7% |
76.6%
-3.6% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
1.5%
-13.2% YoY-12.7% QoQ
|
+0.6 |
0.8%
+3.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.5% in tier |
| Loan To Share |
84.2%
+3.2% YoY+2.6% QoQ
|
+4.8% |
79.3%
-1.4% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$26,622
+3.2% YoY-0.3% QoQ
|
$-672 |
$27,294
+4.1% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
23.7%
-8.0% YoY-1.0% QoQ
|
-0.9% | 24.6% | 21.7% | 20.0% | 47% |
| Indirect Auto % |
13.2%
-12.8% YoY+4.2% QoQ
|
-0.4% | 13.6% | 7.3% | 7.7% | 60% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)