BlastPoint's Credit Union Scorecard
CEDAR POINT
Charter #5234 · MD
CEDAR POINT has 1 strength but faces 5 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 51.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 51.2% in tier
- - Indirect Auto Dependency: Bottom 55.2% in tier
- - Credit Quality Pressure: Bottom 83.4% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 3.98% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,409
+5.0% YoY+0.9% QoQ
|
-4.7K |
52,084
-1.6% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$875.7M
+9.0% YoY+2.7% QoQ
|
+$11.8M |
$863.9M
+0.5% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$510.7M
+10.3% YoY+1.3% QoQ
|
$-95.1M |
$605.8M
+1.4% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$790.7M
+8.4% YoY+2.9% QoQ
|
+$53.4M |
$737.3M
+0.1% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
0.6%
-14.3% YoY-1.8% QoQ
|
-0.1% |
0.7%
+39.1% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.1%
+6.6% YoY+0.9% QoQ
|
-0.2% |
3.4%
+8.7% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
78.3%
+2.4% YoY+0.7% QoQ
|
+4.0% |
74.3%
-3.6% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.7%
+8.3% YoY+17.0% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
64.6%
+1.8% YoY-1.5% QoQ
|
-18.0% |
82.6%
+1.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.7% in tier |
| AMR |
$27,451
+4.0% YoY+1.3% QoQ
|
$-1K |
$28,873
+2.7% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
22.4%
+6.8% YoY-0.1% QoQ
|
-2.1% | 24.4% | 20.4% | 19.8% | 43% |
| Indirect Auto % |
22.9%
+29.2% YoY+2.7% QoQ
|
+9.1% | 13.8% | 7.3% | 7.8% | 75% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)