BlastPoint's Credit Union Scorecard
SECURITYPLUS
Charter #2769 · MD
SECURITYPLUS has 2 strengths but faces 9 concerns
How does the industry compare?
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How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 46.5% in tier
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.6% in tier
- - Credit Quality Pressure: Bottom 23.2% in tier
- - Membership Headwinds: Bottom 31.1% in tier
- - Stagnation Risk: Bottom 31.9% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 0.25% above tier (higher cost structure)
- - Delinquency rate 1.03% above tier average
- - Fee Income Per Member: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,849
-0.7% YoY+0.9% QoQ
|
-3.9K |
39,752
-2.7% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$576.2M
+3.2% YoY-0.2% QoQ
|
$-46.2M |
$622.4M
+0.3% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$441.6M
+10.5% YoY+7.4% QoQ
|
+$5.7M |
$435.9M
-0.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$501.5M
+4.0% YoY-0.6% QoQ
|
$-36.5M |
$538.0M
+1.3% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.1%
-90.7% YoY-920.3% QoQ
|
-0.5% |
0.7%
+33.9% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.5% in tier |
| NIM |
3.6%
-2.6% YoY+1.7% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
78.3%
+25.7% YoY+1.9% QoQ
|
+0.2% |
78.1%
-3.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.8%
+3.2% YoY+9.1% QoQ
|
+1.0 |
0.8%
-4.9% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.7% in tier |
| Loan To Share |
88.1%
+6.3% YoY+8.0% QoQ
|
+7.0% |
81.0%
-1.8% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$26,309
+7.7% YoY+2.0% QoQ
|
$-172 |
$26,482
+2.6% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
25.5%
+13.2% YoY-0.7% QoQ
|
+1.1% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
54% |
| Indirect Auto % |
15.0%
-10.3% YoY-1.1% QoQ
|
+1.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
61% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)