BlastPoint's Credit Union Scorecard
NATIONAL INSTITUTES OF HEALTH
Charter #3601 · MD
NATIONAL INSTITUTES OF HEALTH has 6 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 16.8% in tier
- + Wallet Share Momentum: Top 34.8% in tier
- + Credit Quality Leader: Top 50.4% in tier
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 4.6% in tier
- - Stagnation Risk: Bottom 4.6% in tier
- - Efficiency Drag: Bottom 26.3% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 9.86% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Member Growth Rate: Bottom 4.5% in tier
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,690
-6.4% YoY-1.9% QoQ
|
-9.4K |
52,114
-2.1% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$814.3M
+2.8% YoY+0.5% QoQ
|
$-44.7M |
$859.0M
+0.0% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$494.9M
+1.1% YoY+0.9% QoQ
|
$-108.4M |
$603.4M
+1.0% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$744.3M
+2.1% YoY+0.2% QoQ
|
+$10.2M |
$734.2M
+0.9% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.5%
+222.0% YoY+16.6% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
3.6%
+7.0% YoY+1.6% QoQ
|
+0.2% |
3.4%
+9.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
84.4%
-5.2% YoY-0.3% QoQ
|
+9.9% |
74.5%
-3.2% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.2%
-55.2% YoY-3.1% QoQ
|
-0.6 |
0.8%
+5.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
66.5%
-1.0% YoY+0.7% QoQ
|
-16.2% |
82.7%
+0.1% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$29,029
+8.7% YoY+2.4% QoQ
|
+$378 |
$28,651
+2.5% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
22.2%
+0.8% YoY-0.6% QoQ
|
-2.2% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
42% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
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.
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)