NASA

Charter #6328 | MD

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in MD

NASA has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 24.8% in tier
  • + Emerging Performer: Top 29.9% in tier
  • + Relationship Depth Leader: Top 32.5% in tier
  • + Members Per Employee (MPE): Top 5.9% in tier
  • + Efficiency Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 25.2% in tier
  • - Liquidity Strain: Bottom 34.1% in tier
  • - Membership Headwinds: Bottom 34.8% in tier
  • - Stagnation Risk: Bottom 34.8% in tier
  • - ROA 0.12% below tier average
  • - Delinquency rate 0.02% above tier average
  • - Share Certificate Concentration (%): Bottom 2.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 244,076
-0.9% YoY+0.7% QoQ
 -45.6K 289,724
-2.8% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $5.7B
+3.1% YoY+2.8% QoQ
 $-122.9M $5.8B
+0.2% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 47th in tier
Loans $4.3B
+1.1% YoY+2.0% QoQ
 +$200.7M $4.1B
-3.1% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $4.6B
+3.5% YoY+3.2% QoQ
 $-323.7M $4.9B
+2.2% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 35th in tier
ROA 0.7%
-10.6% YoY+19.6% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 35th in tier
NIM 2.6%
+2.7% YoY+1.6% QoQ
 -0.3% 2.9%
+3.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 29th in tier
Efficiency Ratio 53.2%
+5.3% YoY-3.2% QoQ
 -15.0% 68.1%
-1.7% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 Bottom 8.8% in tier
Delinquency Rate 0.6%
-0.4% YoY-0.6% QoQ
 +0.0 0.6%
-2.2% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 53rd in tier
Loan To Share 93.8%
-2.4% YoY-1.2% QoQ
 +10.2% 83.6%
-5.7% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $36,250
+3.3% YoY+1.9% QoQ
 +$2K $34,398
+4.0% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 74th in tier
CD Concentration 58.4%
+0.7% YoY+2.2% QoQ
 +29.5% 28.9%
-1.3% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 Top 1.6% in tier
Indirect Auto % 18.8%
+13.2% YoY+4.6% QoQ
 +2.2% 16.6%
-10.3% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#30 of 46 • Top 24.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.29%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Emerging Performer

growth
#27 of 31 • Top 29.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.68%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.93%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#39 of 46 • Top 32.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.29%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk
#26 of 33 • Bottom 25.2% in tier

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

Why This Signature
Asset Growth (YoY): 3.13%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 18.79%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.93%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Liquidity Strain

risk
#30 of 32 • Bottom 34.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.84%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.08%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Membership Headwinds

decline
#9 of 10 • Bottom 34.8% in tier

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

Why This Signature
Member Growth (YoY): -0.93%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

Stagnation Risk

risk
#9 of 10 • Bottom 34.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.68%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.93%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $36.3K
(Tier: $34.1K, National: $19.4K)
but better than tier avg
CD Concentration: 58.38%
(Tier: 28.87%, National: 19.60%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | 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)

Comparing against 34 peers in tier

Top Strengths (4 metrics)

3
Members Per Employee (MPE)
engagement
Value: 632.321
Peer Avg: 430.688
#3 of 34 Top 5.9% in 5B-7B tier
4
Efficiency Ratio
profitability
Value: 53.16%
Peer Avg: 68.13%
#4 of 34 Top 8.8% in 5B-7B tier
7
Loan-to-Member Ratio (LMR)
engagement
Value: $17,549
Peer Avg: $15,308
#7 of 34 Top 17.6% in 5B-7B tier
9
Average Member Relationship (AMR)
engagement
Value: $36,250
Peer Avg: $34,398
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (6 metrics)

34
Share Certificate Concentration (%)
balance_sheet
Value: 58.38%
Peer Avg: 30.59%
#34 of 34 Bottom 2.9% in 5B-7B tier
31
Fee Income Per Member
profitability
Value: $148.23
Peer Avg: $213.89
#31 of 34 Bottom 11.8% in 5B-7B tier
31
Member Growth Rate
growth
Value: -0.93%
Peer Avg: 3.26%
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Net Charge-Off Rate
risk
Value: 0.98%
Peer Avg: 0.57%
#30 of 34 Bottom 14.7% in 5B-7B tier
27
Deposit Growth Rate
growth
Value: 3.53%
Peer Avg: 8.13%
#27 of 34 Bottom 23.5% in 5B-7B tier
27
First Mortgage Concentration (%)
balance_sheet
Value: 48.22%
Peer Avg: 37.88%
#27 of 34 Bottom 23.5% in 5B-7B tier