BlastPoint's Credit Union Scorecard
LM
Charter #6039 · MD
LM has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 5.7% in tier
- + Member Growth Rate: Top 7.2% in tier
- + Average Member Relationship (AMR): Top 8.5% in tier
- + Total Loans: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits -2.0% year over year ($52.5M in shares and deposits).
- Membership: 3,739 members, +4.5% vs a year ago.
- Delinquency rate 0.14%.
- Return on assets 1.39%.
- Efficiency ratio 66.28% vs a 88.77% peer average.
- Loan-to-share ratio 80.42% vs a 58.89% 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 |
3,739
+4.5% YoY+0.1% QoQ
|
+1.2K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$60.3M
-0.1% YoY-2.9% QoQ
|
+$30.0M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$42.2M
+6.9% YoY+1.9% QoQ
|
+$26.7M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Top 8.8% in tier |
| Deposits |
$52.5M
-2.0% YoY-3.9% QoQ
|
+$26.7M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.4%
-12.5% YoY-7.2% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
3.8%
+0.2% YoY+2.4% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
66.3%
+8.4% YoY+6.5% QoQ
|
-22.5% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
0.1%
+39.6% YoY+105.0% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
80.4%
+9.1% YoY+6.0% QoQ
|
+21.5% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$25,311
-2.6% YoY-1.5% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Top 8.5% in tier |
| CD Concentration |
19.0%
+13.2% YoY+6.4% QoQ
|
-5.5% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)