BlastPoint's Credit Union Scorecard

CHESSIE

Charter #5636 · MD

100M-500M

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

CHESSIE has 5 strengths but faces 7 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

+ ROA 0.55% above tier average
+ Net Interest Margin 0.29% above tier average
+ Total Members: Top 3.8% in tier
+ Total Assets: Top 6.4% in tier
+ Total Deposits: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Loan Growth Rate: Bottom 3.2% in tier
- AMR Growth Rate: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	33,968 +1.8% YoY+1.6% QoQ	+18.8K	15,145 -2.5% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	Top 3.9% in tier
Assets	$433.2M +3.1% YoY+4.1% QoQ	+$201.5M	$231.7M +0.8% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Top 6.4% in tier
Loans	$222.3M -9.5% YoY-2.9% QoQ	+$78.1M	$144.1M +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	82%
Deposits	$372.8M +1.7% YoY+4.5% QoQ	+$171.7M	$201.1M +0.4% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Top 6.9% 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	1.3% -16.3% YoY-12.8% QoQ	+0.5%	0.7% +5.1% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	82%
NIM	3.9% -8.1% YoY-7.8% QoQ	+0.3%	3.6% +4.6% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	72.7% +7.5% YoY+3.7% QoQ	-5.4%	78.0% -1.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	0.8% +28.9% YoY+15.2% QoQ	+0.0	0.8% +7.1% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	64%
Loan To Share	59.6% -11.0% YoY-7.0% QoQ	-10.8%	70.4% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	26%
AMR	$17,519 -4.5% YoY+0.0% QoQ	$-7K	$24,918 +2.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	19%
CD Concentration	11.7% -2.9% YoY-3.8% QoQ	-12.6%	24.3%	21.1%	19.8%	50%
Indirect Auto %	17.0% -20.8% YoY-6.4% QoQ	+3.2%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Margin Compression

decline

#24 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.27%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.52%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.25% points

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

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Shrinking Wallet Share

decline

#72 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.50%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Credit Quality Pressure

risk

#369 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#468 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.09%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 17.02%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.80%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Cost Spiral

risk

#78 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.07% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.55%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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 1070 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 33,968

Peer Median: 13,200

#42 of 1070 Top 3.8% in 100M-500M tier

Total Assets

balance_sheet

Value: $433.22M

Peer Median: $196.57M

#69 of 1070 Top 6.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $372.79M

Peer Median: $171.29M

#74 of 1070 Top 6.8% in 100M-500M tier

139

Share Certificate Concentration (%)

balance_sheet

Value: 11.66%

Peer Median: 23.10%

#139 of 1070 Top 12.9% in 100M-500M tier

191

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: 0.69%

#191 of 1070 Top 17.8% in 100M-500M tier

192

Total Loans

balance_sheet

Value: $222.28M

Peer Median: $121.41M

#192 of 1070 Top 17.9% in 100M-500M tier

265

Net Worth Ratio

risk

Value: 13.57%

Peer Median: 11.45%

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1037

Loan Growth Rate

growth

Value: -9.49%

Peer Median: 2.93%

#1037 of 1070 Bottom 3.2% in 100M-500M tier

1007

AMR Growth Rate

growth

Value: -4.50%

Peer Median: 3.46%

#1007 of 1070 Bottom 6.0% in 100M-500M tier

961

First Mortgage Concentration (%)

balance_sheet

Value: 53.65%

Peer Median: 29.47%

#961 of 1070 Bottom 10.3% in 100M-500M tier

880

Loan-to-Member Ratio (LMR)

engagement

Value: $6,544

Peer Median: $9,356

#880 of 1070 Bottom 17.9% in 100M-500M tier

870

Average Member Relationship (AMR)

engagement

Value: $17,519

Peer Median: $22,931

#870 of 1070 Bottom 18.8% in 100M-500M tier