BlastPoint's Credit Union Scorecard

SIGNAL FINANCIAL

Charter #5571 · MD

100M-500M

1070 CUs in 100M-500M nationally 15 in MD

SIGNAL FINANCIAL has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 2.1% in tier
+ Total Loans: Top 7.2% in tier
+ Loan-to-Member Ratio (LMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.85% below tier average
- Efficiency ratio 24.76% above tier (higher cost structure)
- Member decline: -16.7% YoY
- Member Growth Rate: Bottom 1.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	18,277 -16.7% YoY-1.0% QoQ	+3.1K	15,145 -2.5% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	71%
Assets	$369.1M -5.8% YoY-3.2% QoQ	+$137.4M	$231.7M +0.8% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	85%
Loans	$285.1M -1.4% YoY-0.1% QoQ	+$141.0M	$144.1M +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	Top 7.3% in tier
Deposits	$331.0M -0.9% YoY+5.3% QoQ	+$129.8M	$201.1M +0.4% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Top 13.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -71.6% YoY-115.0% QoQ	-0.9%	0.7% +5.1% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	Bottom 6.1% in tier
NIM	3.4% +17.2% YoY+7.0% QoQ	-0.2%	3.6% +4.6% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	102.8% -8.2% YoY+22.5% QoQ	+24.8%	78.0% -1.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	Bottom 2.4% in tier
Delinquency Rate	0.4% -27.6% YoY-45.3% QoQ	-0.4	0.8% +7.1% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	32%
Loan To Share	86.1% -0.5% YoY-5.1% QoQ	+15.7%	70.4% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	81%
AMR	$33,707 +18.7% YoY+3.7% QoQ	+$9K	$24,918 +2.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	Top 11.8% in tier
CD Concentration	29.4% +20.6% YoY+7.5% QoQ	+5.1%	24.3%	21.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#10 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 18.71%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#29 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.71%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#11 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -16.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#111 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -16.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.42%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#55 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $369.07M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -16.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.42%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#291 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 102.78%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.31% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -16.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 18.71%

Peer Median: 3.46%

#23 of 1070 Top 2.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $285.10M

Peer Median: $121.41M

#78 of 1070 Top 7.2% in 100M-500M tier

103

Loan-to-Member Ratio (LMR)

engagement

Value: $15,599

Peer Median: $9,356

#103 of 1070 Top 9.5% in 100M-500M tier

126

Average Member Relationship (AMR)

engagement

Value: $33,707

Peer Median: $22,931

#126 of 1070 Top 11.7% in 100M-500M tier

143

Total Deposits

balance_sheet

Value: $330.97M

Peer Median: $171.29M

#143 of 1070 Top 13.3% in 100M-500M tier

164

Total Assets

balance_sheet

Value: $369.07M

Peer Median: $196.57M

#164 of 1070 Top 15.2% in 100M-500M tier

201

Loan-to-Share Ratio

balance_sheet

Value: 86.14%

Peer Median: 71.88%

#201 of 1070 Top 18.7% in 100M-500M tier

256

Fee Income Per Member

profitability

Value: $203.06

Peer Median: $154.95

#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1059

Member Growth Rate

growth

Value: -16.74%

Peer Median: -0.06%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1045

Efficiency Ratio

profitability

Value: 102.78%

Peer Median: 78.68%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1045

Asset Growth Rate

growth

Value: -5.82%

Peer Median: 3.91%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1005

Return on Assets (ROA)

profitability

Value: -0.12%

Peer Median: 0.69%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

942

Members Per Employee (MPE)

engagement

Value: 231.354

Peer Median: 309.176

#942 of 1070 Bottom 12.1% in 100M-500M tier

906

Deposit Growth Rate

growth

Value: -0.94%

Peer Median: 3.30%

#906 of 1070 Bottom 15.4% in 100M-500M tier

855

Net Worth Ratio

risk

Value: 9.44%

Peer Median: 11.45%

#855 of 1070 Bottom 20.2% in 100M-500M tier

821

First Mortgage Concentration (%)

balance_sheet

Value: 42.68%

Peer Median: 29.47%

#821 of 1070 Bottom 23.4% in 100M-500M tier