BlastPoint's Credit Union Scorecard
CHESSIE
Charter #5636 · MD
CHESSIE has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 50.7% in tier
- + ROA 0.66% above tier average
- + Net Interest Margin 0.68% above tier average
- + Total Members: Top 4.7% in tier
- + Total Assets: Top 7.5% in tier
- + Total Deposits: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.3% in tier
- - Shrinking Wallet Share: Bottom 12.0% in tier
- - Indirect Auto Dependency: Bottom 26.0% in tier
- - Delinquency rate 0.53% above tier average
- - Loan Growth Rate: Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,035
-0.3% YoY+1.8% QoQ
|
+18.4K |
15,628
-3.4% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 4.8% in tier |
| Assets |
$421.5M
+3.6% YoY-0.1% QoQ
|
+$190.2M |
$231.3M
-0.0% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 7.6% in tier |
| Loans |
$232.8M
-10.4% YoY-2.4% QoQ
|
+$85.0M |
$147.8M
-1.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$363.0M
+2.3% YoY-0.8% QoQ
|
+$162.7M |
$200.3M
-0.0% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 8.4% in tier |
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| ROA |
1.5%
+5.7% YoY-8.8% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Top 13.8% in tier |
| NIM |
4.3%
-1.1% YoY+0.2% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
85% |
| Efficiency Ratio |
69.6%
+4.3% YoY+4.0% QoQ
|
-7.7% |
77.3%
-3.0% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.4%
+37.1% YoY+82.3% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
64.1%
-12.5% YoY-1.6% QoQ
|
-8.6% |
72.7%
-1.5% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$17,506
-2.8% YoY-3.2% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
11.8%
-2.3% YoY-0.4% QoQ
|
-12.7% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.1%
-19.7% YoY-6.0% QoQ
|
+5.1% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)