BlastPoint's Credit Union Scorecard
CEDAR POINT
Charter #5234 · MD
CEDAR POINT has 1 strength but faces 1 concern
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
- + Strong member growth: 5.0% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,768
+5.0% YoY+0.8% QoQ
|
-3.7K |
51,500
+0.7% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$902.9M
+8.1% YoY+3.1% QoQ
|
+$37.2M |
$865.6M
+0.9% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$515.7M
+12.8% YoY+1.0% QoQ
|
$-79.5M |
$595.3M
+1.6% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$815.9M
+7.6% YoY+3.2% QoQ
|
+$73.7M |
$742.2M
+0.6% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
0.8%
+14.9% YoY+17.8% QoQ
|
+0.0% |
0.8%
+45.0% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
3.1%
+0.3% YoY-2.8% QoQ
|
-0.4% |
3.5%
+6.1% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
74.5%
-6.3% YoY-4.9% QoQ
|
-1.1% |
75.5%
-3.4% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
0.2%
-61.2% YoY-72.6% QoQ
|
-0.5 |
0.7%
-0.1% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Top 11.1% in tier |
| Loan To Share |
63.2%
+4.8% YoY-2.1% QoQ
|
-17.4% |
80.6%
+0.7% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.7% in tier |
| AMR |
$27,876
+4.3% YoY+1.6% QoQ
|
$-1K |
$28,908
+0.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
22.5%
+8.4% YoY+0.5% QoQ
|
-1.8% | 24.3% | 21.1% | 19.8% | 44% |
| Indirect Auto % |
23.2%
+26.3% YoY+1.0% QoQ
|
+9.4% | 13.8% | 7.3% | 7.7% | 75% |
Signature Analysis
Strengths (0)
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)