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 13.0% in tier
- + Wallet Share Momentum: Top 13.0% in tier
- + Net Interest Margin 0.09% above tier average
- + Total Delinquency Rate (60+ days): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 16.1% in tier
- - Membership Headwinds: Bottom 95.4% in tier
- - Stagnation Risk: Bottom 95.4% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 13.59% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - Member Growth Rate: Bottom 6.0% in tier
- - Net Worth Ratio: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,745
-7.8% YoY-1.6% QoQ
|
-10.8K |
51,500
+0.7% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$825.5M
+1.0% YoY+2.6% QoQ
|
$-40.2M |
$865.6M
+0.9% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$493.7M
+0.3% YoY+0.1% QoQ
|
$-101.5M |
$595.3M
+1.6% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$754.4M
+0.2% YoY+2.5% QoQ
|
+$12.2M |
$742.2M
+0.6% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
0.4%
-27.2% YoY-9.9% QoQ
|
-0.3% |
0.8%
+45.0% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
3.5%
+1.4% YoY-1.9% QoQ
|
+0.1% |
3.5%
+6.1% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
89.1%
+9.1% YoY+5.1% QoQ
|
+13.6% |
75.5%
-3.4% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
0.2%
-44.8% YoY-6.4% QoQ
|
-0.5 |
0.7%
-0.1% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Top 9.4% in tier |
| Loan To Share |
65.4%
+0.1% YoY-2.4% QoQ
|
-15.2% |
80.6%
+0.7% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
15% |
| AMR |
$30,632
+8.8% YoY+3.2% QoQ
|
+$2K |
$28,908
+0.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
22.0%
+1.3% YoY-3.1% QoQ
|
-2.3% | 24.3% | 21.1% | 19.8% | 42% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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 (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)