BlastPoint's Credit Union Scorecard

CHESSIE

Charter #5636 · MD

100M-500M

1024 CUs in 100M-500M nationally 16 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 0.38% above tier average
+ Net Interest Margin 0.23% above tier average
+ Total Members: Top 4.5% in tier
+ Total Assets: Top 6.2% in tier
+ Total Deposits: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: 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
- Loan Growth Rate: Bottom 4.5% in tier
- First Mortgage Concentration (%): Bottom 9.8% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
Shares and deposits +1.7% year over year ($372M in shares and deposits).
Membership: 33,309 members, -0.4% vs a year ago.
Delinquency rate 0.82%.
Return on assets 1.24%.
Efficiency ratio 73.85% vs a 76.73% peer average.
Loan-to-share ratio 59.12% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	33,309 -0.4% YoY-1.9% QoQ	+18.1K	15,168 -2.6% YoY	36,510 +7.3% YoY	34,678 +6.6% YoY	Top 4.6% in tier
Assets	$434.4M +3.0% YoY+0.3% QoQ	+$202.4M	$232.0M +0.7% YoY	$678.8M +11.6% YoY	$593.1M +10.2% YoY	Top 6.2% in tier
Loans	$220.1M -7.7% YoY-1.0% QoQ	+$73.8M	$146.3M +0.2% YoY	$482.2M +10.0% YoY	$418.6M +10.1% YoY	81%
Deposits	$372.3M +1.7% YoY-0.1% QoQ	+$171.6M	$200.7M +0.2% YoY	$576.6M +11.4% YoY	$504.8M +10.3% YoY	Top 6.8% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -21.8% YoY-2.3% QoQ	+0.4%	0.9% +12.5% YoY	0.7% +24.7% YoY	1.2% +121.4% YoY	78%
NIM	3.9% -7.8% YoY-0.1% QoQ	+0.2%	3.7% +4.5% YoY	3.4% -0.6% YoY	3.8% +2.3% YoY	66%
Efficiency Ratio	73.9% +10.3% YoY+1.6% QoQ	-2.9%	76.7% -0.8% YoY	84.7% +4.5% YoY	83.0% -5.3% YoY	38%
Delinquency Rate	0.8% +7.5% YoY+4.8% QoQ	-0.1	0.9% +6.6% YoY	1.2% +2.8% YoY	1.3% +2.6% YoY	58%
Loan To Share	59.1% -9.3% YoY-0.9% QoQ	-12.4%	71.5% -0.3% YoY	63.7% -0.8% YoY	66.4% -1.4% YoY	24%
AMR	$17,786 -1.6% YoY+1.5% QoQ	$-7K	$25,107 +3.2% YoY	$21,403 +4.3% YoY	$20,028 -0.9% YoY	19%
CD Concentration	11.7% -1.0% YoY+0.1% QoQ	-12.9%	24.6%	21.7%	20.0%	50%
Indirect Auto %	15.5% -23.9% YoY-9.1% QoQ	+1.8%	13.6%	7.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Margin Compression

decline

#24 of 140 • 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: 1.24%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.59%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk

#61 of 95 • 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: 6.92% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 66.93%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#153 of 223 • 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): -1.62%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Credit Quality Pressure

risk

#569 of 693 • 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): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#438 of 476 • 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): 2.98%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 15.47%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY

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 1024 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 33,309

Peer Median: 13,128

#47 of 1024 Top 4.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $434.39M

Peer Median: $196.38M

#64 of 1024 Top 6.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $372.33M

Peer Median: $170.77M

#70 of 1024 Top 6.7% in 100M-500M tier

135

Share Certificate Concentration (%)

balance_sheet

Value: 11.67%

Peer Median: 23.39%

#135 of 1024 Top 13.1% in 100M-500M tier

198

Total Loans

balance_sheet

Value: $220.11M

Peer Median: $124.04M

#198 of 1024 Top 19.2% in 100M-500M tier

226

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.75%

#226 of 1024 Top 22.0% in 100M-500M tier

Top Weaknesses (6 metrics)

979

Loan Growth Rate

growth

Value: -7.70%

Peer Median: 3.02%

#979 of 1024 Bottom 4.5% in 100M-500M tier

925

First Mortgage Concentration (%)

balance_sheet

Value: 54.79%

Peer Median: 29.92%

#925 of 1024 Bottom 9.8% in 100M-500M tier

899

AMR Growth Rate

growth

Value: -1.62%

Peer Median: 3.53%

#899 of 1024 Bottom 12.3% in 100M-500M tier

842

Loan-to-Member Ratio (LMR)

engagement

Value: $6,608

Peer Median: $9,434

#842 of 1024 Bottom 17.9% in 100M-500M tier

826

Average Member Relationship (AMR)

engagement

Value: $17,786

Peer Median: $23,006

#826 of 1024 Bottom 19.4% in 100M-500M tier

774

Loan-to-Share Ratio

balance_sheet

Value: 59.12%

Peer Median: 73.07%

#774 of 1024 Bottom 24.5% in 100M-500M tier