BlastPoint's Credit Union Scorecard
CENSUS
Charter #5641 · MD
CENSUS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Average Member Relationship (AMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.15% above tier average
- - Member decline: -4.8% YoY
- - Loan-to-Share Ratio: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,067
-4.8% YoY-1.1% QoQ
|
-609 |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$49.6M
-4.3% YoY-0.1% QoQ
|
+$19.4M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
77% |
| Loans |
$11.0M
-10.4% YoY-5.6% QoQ
|
$-4.3M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$40.0M
-6.8% YoY+0.1% QoQ
|
+$14.2M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
1.1%
+113.7% YoY+117.2% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.2%
+40.3% YoY+22.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
69.6%
-14.1% YoY-16.6% QoQ
|
-21.1% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
1.7%
+321.8% YoY+695.3% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
27.5%
-3.8% YoY-5.7% QoQ
|
-31.0% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.4% in tier |
| AMR |
$24,657
-2.9% YoY-0.0% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 8.9% in tier |
| CD Concentration |
2.4%
-3.1% YoY+0.0% QoQ
|
-21.8% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)