BlastPoint's Credit Union Scorecard
CEDAR POINT
Charter #5234 · MD
CEDAR POINT has 1 strength 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 Engine: Top 18.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.2% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 3.27% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,980
+4.4% YoY+1.0% QoQ
|
-5.1K |
52,114
-2.1% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$853.0M
+6.9% YoY+0.4% QoQ
|
$-6.0M |
$859.0M
+0.0% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$504.1M
+9.6% YoY+4.4% QoQ
|
$-99.3M |
$603.4M
+1.0% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$768.4M
+5.8% YoY+0.2% QoQ
|
+$34.2M |
$734.2M
+0.9% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.6%
-13.0% YoY+8.9% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.1%
+6.4% YoY+0.5% QoQ
|
-0.3% |
3.4%
+9.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
77.8%
+1.1% YoY-1.6% QoQ
|
+3.3% |
74.5%
-3.2% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.6%
-39.7% YoY+1.5% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
65.6%
+3.6% YoY+4.2% QoQ
|
-17.1% |
82.7%
+0.1% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$27,085
+2.8% YoY+0.8% QoQ
|
$-2K |
$28,651
+2.5% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
22.4%
+9.0% YoY+3.7% QoQ
|
-2.0% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
43% |
| Indirect Auto % |
22.3%
+29.1% YoY+9.6% QoQ
|
+8.4% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
74% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)