CEDAR POINT

Charter #5234 | MD

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in MD

CEDAR POINT has 3 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 14.4% in tier
  • + Organic Growth Engine: Top 18.5% in tier
  • + Wallet Share Momentum: Top 27.0% 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
 38th in tier
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
 46th in tier
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
 Bottom 17.9% in tier
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
 71st in tier
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
 44th in tier
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
 32nd in tier
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
 55th in tier
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
 43rd in tier
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
 Bottom 16.1% in tier
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
 55th in tier
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
 43rd in tier
Indirect Auto % 22.3%
+29.1% YoY+9.6% QoQ
 +8.4% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 74th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#398 of 1006 • Top 14.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.78%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#340 of 603 • Top 18.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.37%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.65%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 22.33%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#745 of 1006 • Top 27.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.78%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk
#325 of 525 • Bottom 20.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.93%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 22.33%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.37%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

17
Net Charge-Off Rate
risk
Value: 0.22%
Peer Avg: 0.61%
#17 of 112 Top 14.3% in 750M-1B tier
20
Member Growth Rate
growth
Value: 4.37%
Peer Avg: 1.14%
#20 of 112 Top 17.0% in 750M-1B tier
25
Share Certificate Concentration (%)
balance_sheet
Value: 22.38%
Peer Avg: 28.34%
#25 of 112 Top 21.4% in 750M-1B tier
27
Loan Growth Rate
growth
Value: 9.61%
Peer Avg: 4.84%
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (4 metrics)

94
Loan-to-Share Ratio
balance_sheet
Value: 65.61%
Peer Avg: 82.66%
#94 of 112 Bottom 17.0% in 750M-1B tier
92
Total Loans
balance_sheet
Value: $504.11M
Peer Avg: $603.36M
#92 of 112 Bottom 18.8% in 750M-1B tier
90
Fee Income Per Member
profitability
Value: $143.68
Peer Avg: $204.75
#90 of 112 Bottom 20.5% in 750M-1B tier
88
Net Worth Ratio
risk
Value: 9.24%
Peer Avg: 11.52%
#88 of 112 Bottom 22.3% in 750M-1B tier