BlastPoint's Credit Union Scorecard

SIGNAL FINANCIAL

Charter #5571 · MD

1069 CUs in 100M-500M nationally 16 in MD

SIGNAL FINANCIAL has 8 strengths but faces 11 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 2.6% in tier
+ Wallet Share Momentum: Top 5.5% in tier
+ ROA 0.06% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 1.5% in tier
+ AMR Growth Rate: Top 2.1% in tier
+ Total Loans: Top 8.1% in tier
+ Loan-to-Member Ratio (LMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.5% in tier
- Stagnation Risk: Bottom 8.7% in tier
- Institutional Decline: Bottom 12.5% in tier
- Capital Constraint: Bottom 68.2% in tier
- Efficiency Drag: Bottom 97.4% in tier
- Liquidity Strain: Bottom 99.1% in tier
- Efficiency ratio 6.87% above tier (higher cost structure)
- Member decline: -18.1% YoY
- Member Growth Rate: Bottom 0.7% in tier
- Deposit Growth Rate: Bottom 3.2% in tier
- Asset Growth Rate: Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	18,456 -18.1% YoY-17.9% QoQ	+3.0K	15,437 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	70%
Assets	$381.3M -2.8% YoY+2.4% QoQ	+$149.5M	$231.9M +1.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	Top 13.8% in tier
Loans	$285.3M -3.0% YoY-0.6% QoQ	+$137.9M	$147.3M -0.1% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	Top 8.2% in tier
Deposits	$314.3M -5.0% YoY+2.2% QoQ	+$113.5M	$200.8M +0.8% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	84%

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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	0.8% +13311.6% YoY-1409.8% QoQ	+0.1%	0.8% +18.2% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	56%
NIM	3.2% +12.4% YoY+0.0% QoQ	-0.4%	3.6% +6.7% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	27%
Efficiency Ratio	83.9% -16.0% YoY-17.4% QoQ	+6.9%	77.0% -3.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	74%
Delinquency Rate	0.7% -9.2% YoY+68.1% QoQ	-0.2	0.9% +4.2% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	52%
Loan To Share	90.8% +2.1% YoY-2.8% QoQ	+18.5%	72.2% -1.1% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	Top 12.7% in tier
AMR	$32,490 +17.2% YoY+22.9% QoQ	+$8K	$24,676 +3.4% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	Top 12.9% in tier
CD Concentration	27.3% +10.4% YoY+10.2% QoQ	+2.9%	24.4%	20.4%	19.8%	50%
Indirect Auto %	0.0% -100.0% YoY-100.0% QoQ	-13.8%	13.8%	7.3%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#8 of 268 • Top 2.6% 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): 17.16%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.4K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#29 of 513 • Top 5.5% in tier

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

Why This Signature

AMR Growth (YoY): 17.16%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#9 of 554 • Bottom 1.5% in tier

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

Why This Signature

Member Growth (YoY): -18.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#49 of 554 • Bottom 8.7% 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): -18.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.74%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#31 of 240 • Bottom 12.5% in tier

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

Why This Signature

Total Assets: $381.33M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -18.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Capital Constraint

risk

#16 of 23 • Bottom 68.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 90.76%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -5.03%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 9.17%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Efficiency Drag

risk

#524 of 538 • Bottom 97.4% in tier

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

Why This Signature

Efficiency Ratio: 83.89%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.82% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -18.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Strain

risk

#226 of 228 • Bottom 99.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.76%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -3.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $391.03

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 17.16%

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $285.29M

Peer Median: -

#88 of 1069 Top 8.1% in 100M-500M tier

103

Loan-to-Member Ratio (LMR)

engagement

Value: $15,458

Peer Median: -

#103 of 1069 Top 9.5% in 100M-500M tier

136

Loan-to-Share Ratio

balance_sheet

Value: 90.76%

Peer Median: -

#136 of 1069 Top 12.6% in 100M-500M tier

138

Average Member Relationship (AMR)

engagement

Value: $32,490

Peer Median: -

#138 of 1069 Top 12.8% in 100M-500M tier

147

Total Assets

balance_sheet

Value: $381.33M

Peer Median: -

#147 of 1069 Top 13.7% in 100M-500M tier

172

Total Deposits

balance_sheet

Value: $314.35M

Peer Median: -

#172 of 1069 Top 16.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1062

Member Growth Rate

growth

Value: -18.14%

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1036

Deposit Growth Rate

growth

Value: -5.03%

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

1005

Asset Growth Rate

growth

Value: -2.83%

Peer Median: -

#1005 of 1069 Bottom 6.1% in 100M-500M tier

936

Members Per Employee (MPE)

engagement

Value: 233.620

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier

896

Net Worth Ratio

risk

Value: 9.17%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

872

Loan Growth Rate

growth

Value: -3.03%

Peer Median: -

#872 of 1069 Bottom 18.5% in 100M-500M tier

818

First Mortgage Concentration (%)

balance_sheet

Value: 42.82%

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier