BlastPoint's Credit Union Scorecard
NATIONAL INSTITUTES OF HEALTH
Charter #3601 · MD
NATIONAL INSTITUTES OF HEALTH has 4 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 9.8% in tier
- + Wallet Share Momentum: Top 9.8% in tier
- + Net Interest Margin 0.09% above tier average
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.6% in tier
- - Efficiency Drag: Bottom 14.6% in tier
- - Credit Risk Growth: Bottom 53.3% in tier
- - Membership Headwinds: Bottom 95.4% in tier
- - Stagnation Risk: Bottom 95.4% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 13.60% above tier (higher cost structure)
- - Member decline: -8.1% YoY
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Maryland.
- Shares and deposits -0.1% year over year ($742M in shares and deposits).
- Membership: 39,993 members, -8.1% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 0.38%.
- Efficiency ratio 88.14% vs a 74.54% peer average.
- Loan-to-share ratio 67.90% vs a 82.60% 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 |
39,993
-8.1% YoY-1.8% QoQ
|
-12.5K |
52,482
+1.3% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$816.7M
+0.8% YoY-1.1% QoQ
|
$-47.3M |
$863.9M
+0.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$503.6M
+2.7% YoY+2.0% QoQ
|
$-104.1M |
$607.8M
+2.1% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$741.7M
-0.1% YoY-1.7% QoQ
|
+$1.8M |
$739.9M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.4%
-7.4% YoY-9.0% QoQ
|
-0.5% |
0.8%
+30.4% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.6%
+2.0% YoY+1.6% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
88.1%
+4.2% YoY-1.1% QoQ
|
+13.6% |
74.5%
-1.4% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
0.7%
+183.8% YoY+250.3% QoQ
|
-0.1 |
0.8%
+1.0% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
67.9%
+2.8% YoY+3.8% QoQ
|
-14.7% |
82.6%
+1.9% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.4% in tier |
| AMR |
$31,139
+9.9% YoY+1.7% QoQ
|
+$2K |
$28,702
+0.4% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
22.4%
+0.4% YoY+2.2% QoQ
|
-2.1% | 24.6% | 21.7% | 20.0% | 43% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | Top 0.1% 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 (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)