BlastPoint's Credit Union Scorecard
CENSUS
Charter #5641 · MD
CENSUS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 0.84% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - Loan-to-Share Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,091
-5.3% YoY-1.5% QoQ
|
-524 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$49.7M
-1.8% YoY-1.1% QoQ
|
+$19.5M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$11.7M
-4.7% YoY-3.8% QoQ
|
$-4.1M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$39.9M
-4.9% YoY-1.9% QoQ
|
+$14.2M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.5%
+35500.1% YoY+38.0% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.6%
+38.8% YoY+5.7% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio |
83.4%
-16.5% YoY-4.6% QoQ
|
+0.8% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.2%
+6.3% YoY-41.9% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
29.2%
+0.2% YoY-1.9% QoQ
|
-31.4% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.6% in tier |
| AMR |
$24,662
+0.5% YoY-0.8% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Top 8.8% in tier |
| CD Concentration |
2.4%
-10.7% YoY+1.0% QoQ
|
-22.0% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)