BlastPoint's Credit Union Scorecard

NASA

Charter #6328 · MD

Large 5B-7B

35 CUs in 5B-7B nationally 2 in MD

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NASA has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 63.2% in tier
+ ROA 0.06% above tier average
+ Efficiency Ratio: Top 5.7% in tier
+ Members Per Employee (MPE): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 82.3% in tier
- Liquidity Strain: Bottom 84.4% in tier
- Membership Headwinds: Bottom 87.5% in tier
- Stagnation Risk: Bottom 100.0% in tier
- Share Certificate Concentration (%): Bottom 2.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	239,611 -1.9% YoY-1.8% QoQ	-52.7K	292,342 -2.4% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	20%
Assets	$5.7B +4.0% YoY+1.2% QoQ	$-6.3M	$5.7B -0.2% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	51%
Loans	$4.3B +4.0% YoY+1.1% QoQ	+$165.6M	$4.2B -1.6% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	51%
Deposits	$4.6B +4.2% YoY+1.3% QoQ	$-221.9M	$4.8B +0.4% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	46%

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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	0.9% +36.3% YoY+28.6% QoQ	+0.1%	0.8% +27.9% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	63%
NIM	2.7% +9.5% YoY+5.5% QoQ	-0.3%	3.0% +8.0% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	26%
Efficiency Ratio	50.4% -0.5% YoY-5.2% QoQ	-16.9%	67.3% -3.7% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	Bottom 5.7% in tier
Delinquency Rate	0.6% -13.2% YoY-2.8% QoQ	-0.2	0.8% +17.5% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	43%
Loan To Share	93.6% -0.2% YoY-0.2% QoQ	+7.7%	85.9% -2.6% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	66%
AMR	$37,378 +6.1% YoY+3.1% QoQ	+$3K	$34,289 +3.5% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	74%
CD Concentration	58.5% +1.8% YoY+0.3% QoQ	+29.4%	29.1%	20.4%	19.8%	Top 1.5% in tier
Indirect Auto %	18.6% +6.2% YoY-0.9% QoQ	+1.5%	17.1%	7.3%	7.8%	57%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#13 of 20 • Top 63.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.05%

(Tier: 3.92%, National: 4.00%)

better than tier avg

20 of 68 Large CUs have this signature | 662 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#29 of 35 • Bottom 82.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.02%

(Tier: 8.38%, National: 3.54%)

worse than tier avg

Indirect Auto %: 18.63%

(Tier: 17.09%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.86%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

35 of 68 Large CUs have this signature | 745 nationally

→ Stable (35→35 CUs)

Liquidity Strain

risk

#28 of 33 • Bottom 84.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.63%

(Tier: 84.88%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.99%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

33 of 68 Large CUs have this signature | 439 nationally

↑ Growing +6 CUs YoY | Rank worsening

Membership Headwinds

decline

#8 of 9 • Bottom 87.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.86%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

9 of 68 Large CUs have this signature | 652 nationally

→ No prior data (9 CUs now) | New qualifier

Stagnation Risk

risk

#9 of 9 • Bottom 100.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.86%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.99%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.62%

(Tier: 0.75%, National: 1.28%)

but better than tier avg

9 of 68 Large CUs have this signature | 652 nationally

→ No prior data (9 CUs now) | New qualifier

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 35 peers in tier

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 50.39%

Peer Median: -

#3 of 35 Top 5.7% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 617.554

Peer Median: -

#3 of 35 Top 5.7% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,074

Peer Median: -

#7 of 35 Top 17.1% in 5B-7B tier

AMR Growth Rate

growth

Value: 6.05%

Peer Median: -

#8 of 35 Top 20.0% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $37,378

Peer Median: -

#9 of 35 Top 22.9% in 5B-7B tier

Top Weaknesses (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 58.54%

Peer Median: -

#35 of 35 Bottom 2.9% in 5B-7B tier

Member Growth Rate

growth

Value: -1.86%

Peer Median: -

#32 of 35 Bottom 11.4% in 5B-7B tier

Fee Income Per Member

profitability

Value: $149.83

Peer Median: -

#31 of 35 Bottom 14.3% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 48.64%

Peer Median: -

#28 of 35 Bottom 22.9% in 5B-7B tier

Total Members

engagement

Value: 239,611

Peer Median: -

#28 of 35 Bottom 22.9% in 5B-7B tier