BlastPoint's Credit Union Scorecard
SECURITYPLUS
Charter #2769 · MD
SECURITYPLUS has 4 strengths but faces 3 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 52.5% in tier
- + Organic Growth Engine: Top 81.0% in tier
- + Wallet Share Momentum: Top 94.9% in tier
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Delinquency rate 1.32% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,738
+2.4% YoY-0.3% QoQ
|
-2.8K |
38,575
-4.8% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$580.6M
+5.2% YoY+0.8% QoQ
|
$-41.1M |
$621.7M
+0.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$433.7M
+11.0% YoY-1.8% QoQ
|
+$3.9M |
$429.8M
-1.8% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$502.5M
+5.0% YoY+0.2% QoQ
|
$-36.2M |
$538.7M
+0.6% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.4%
-43.5% YoY+290.3% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.6%
-3.2% YoY+0.7% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
75.3%
+13.8% YoY-3.9% QoQ
|
-2.2% |
77.5%
-4.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
2.2%
-1.7% YoY+18.8% QoQ
|
+1.3 |
0.8%
-1.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 4.2% in tier |
| Loan To Share |
86.3%
+5.8% YoY-2.0% QoQ
|
+6.5% |
79.8%
-2.3% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$26,198
+5.1% YoY-0.4% QoQ
|
$-651 |
$26,849
+2.7% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
25.7%
+11.8% YoY+0.8% QoQ
|
+1.3% | 24.4% | 20.4% | 19.8% | 55% |
| Indirect Auto % |
14.0%
-11.2% YoY-6.4% QoQ
|
+0.2% | 13.8% | 7.3% | 7.8% | 60% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)