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 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 6.01% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Net Interest Margin (NIM): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,123
-4.9% YoY-0.3% QoQ
|
-502 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$50.2M
-0.8% YoY-1.1% QoQ
|
+$20.4M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$12.1M
-2.0% YoY-1.1% QoQ
|
$-3.7M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$40.7M
-3.2% YoY-2.1% QoQ
|
+$15.2M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.4%
-514.7% YoY-17.0% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
2.5%
+37.9% YoY+5.8% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio |
87.4%
-16.0% YoY+3.9% QoQ
|
+6.0% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.4%
-47.7% YoY-50.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
29.8%
+1.3% YoY+0.9% QoQ
|
-31.5% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.0% in tier |
| AMR |
$24,863
+2.1% YoY-1.5% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 8.2% in tier |
| CD Concentration |
2.4%
-18.1% YoY-1.1% QoQ
|
-22.0% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)