BlastPoint's Credit Union Scorecard
NATIONAL INSTITUTES OF HEALTH
Charter #3601 · MD
NATIONAL INSTITUTES OF HEALTH has 5 strengths but faces 8 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
- + Relationship Depth Leader: Top 19.5% in tier
- + Wallet Share Momentum: Top 38.3% in tier
- + Net Interest Margin 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 11.8% in tier
- - Stagnation Risk: Bottom 42.9% in tier
- - Efficiency Drag: Bottom 83.2% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 10.43% above tier (higher cost structure)
- - Member decline: -7.6% YoY
- - Member Growth Rate: Bottom 4.3% in tier
- - Net Worth Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,414
-7.6% YoY-3.0% QoQ
|
-10.7K |
52,084
-1.6% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$804.4M
+1.4% YoY-1.2% QoQ
|
$-59.5M |
$863.9M
+0.5% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$493.3M
+1.0% YoY-0.3% QoQ
|
$-112.5M |
$605.8M
+1.4% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$735.8M
+0.1% YoY-1.1% QoQ
|
$-1.5M |
$737.3M
+0.1% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.5%
+146.0% YoY-3.1% QoQ
|
-0.3% |
0.7%
+39.1% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.6%
+6.7% YoY+0.8% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
84.8%
-3.6% YoY+0.5% QoQ
|
+10.4% |
74.3%
-3.6% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
0.2%
-50.5% YoY-10.7% QoQ
|
-0.7 |
0.9%
+3.8% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
67.0%
+0.9% YoY+0.8% QoQ
|
-15.5% |
82.6%
+1.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$29,678
+8.8% YoY+2.2% QoQ
|
+$805 |
$28,873
+2.7% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
22.7%
+3.1% YoY+2.1% QoQ
|
-1.7% | 24.4% | 20.4% | 19.8% | 44% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)