BlastPoint's Credit Union Scorecard

NASA

Charter #6328 · MD

Large 5B-7B
37 CUs in 5B-7B nationally 3 in MD
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NASA has 3 strengths but faces 8 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

  • + Relationship Depth Leader: Top 15.6% in tier
  • + Wallet Share Momentum: Top 15.6% in tier
  • + Members Per Employee (MPE): Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 33.3% in tier
  • - Indirect Auto Dependency: Bottom 62.5% in tier
  • - Membership Headwinds: Bottom 90.6% in tier
  • - Stagnation Risk: Bottom 90.6% in tier
  • - ROA 0.27% below tier average
  • - Member decline: -2.8% YoY
  • - Fee Income Per Member: Bottom 2.7% in tier
  • - Share Certificate Concentration (%): Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 238,190
-2.8% YoY-0.6% QoQ
 -69.6K 307,793
+7.6% YoY
 35,042
+5.0% YoY
 33,913
+5.7% YoY
 19%
Assets $5.8B
+5.0% YoY+1.7% QoQ
 +$65.0M $5.8B
-0.2% YoY
 $654.4M
+9.6% YoY
 $578.3M
+9.0% YoY
 60%
Loans $4.3B
+3.5% YoY+0.0% QoQ
 +$176.2M $4.2B
+0.4% YoY
 $458.0M
+7.3% YoY
 $402.4M
+8.7% YoY
 51%
Deposits $4.7B
+5.4% YoY+1.9% QoQ
 $-182.6M $4.9B
+0.2% YoY
 $558.1M
+9.3% YoY
 $494.3M
+9.1% YoY
 40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.6%
+19.0% YoY-33.1% QoQ
 -0.3% 0.9%
+47.0% YoY
 0.5%
+20.2% YoY
 0.4%
-39.2% YoY
 32%
NIM 2.5%
-0.9% YoY-9.1% QoQ
 -0.7% 3.2%
+9.8% YoY
 3.4%
+2.6% YoY
 3.8%
+4.1% YoY
 Bottom 8.1% in tier
Efficiency Ratio 60.5%
+3.2% YoY+20.0% QoQ
 -6.1% 66.6%
-11.0% YoY
 82.5%
-2.2% YoY
 84.6%
+2.8% YoY
 24%
Delinquency Rate 0.6%
-15.7% YoY-6.9% QoQ
 -0.1 0.7%
+23.3% YoY
 1.2%
+17.1% YoY
 1.2%
+3.4% YoY
 43%
Loan To Share 91.9%
-1.8% YoY-1.9% QoQ
 +7.2% 84.7%
-0.7% YoY
 63.5%
+1.0% YoY
 65.6%
-1.4% YoY
 62%
AMR $37,971
+7.5% YoY+1.6% QoQ
 +$6K $32,237
-7.3% YoY
 $21,172
+3.9% YoY
 $19,920
+1.6% YoY
 78%
CD Concentration 58.2%
+2.6% YoY-0.6% QoQ
 +29.6% 28.6% 21.1% 19.8% Top 1.5% in tier
Indirect Auto % 18.3%
+2.3% YoY-1.7% QoQ
 +1.9% 16.4% 7.3% 7.7% 58%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#4 of 16 • Top 15.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 7.53%
(Tier: 4.10%, National: 6.36%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $3.4K, National: $2.1K)
but worse than tier avg
16 of 66 Large CUs have this signature | 342 nationally
→ Stable (11→16 CUs) +5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#10 of 15 • Top 15.6% in tier

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

Why This Signature
AMR Growth (YoY): 7.53%
(Tier: 4.10%, National: 6.36%)
better than tier avg
15 of 66 Large CUs have this signature | 637 nationally
→ Stable (12→15 CUs) +3 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline
#7 of 10 • Bottom 90.6% in tier

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

Why This Signature
Member Growth (YoY): -2.81%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
10 of 66 Large CUs have this signature | 676 nationally
→ No prior data (10 CUs now) | New qualifier

Stagnation Risk

risk
#8 of 10 • Bottom 90.6% 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): -2.81%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): 3.54%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
Delinquency Rate: 0.58%
(Tier: 0.67%, National: 1.19%)
but better than tier avg
10 of 66 Large CUs have this signature | 676 nationally
→ No prior data (10 CUs now) | New qualifier

Indirect Auto Dependency

risk
#27 of 34 • Bottom 62.5% in tier

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

Why This Signature
Asset Growth (YoY): 5.00%
(Tier: 8.53%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 18.31%
(Tier: 16.37%, National: 7.73%)
worse than tier avg
Member Growth (YoY): -2.81%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
34 of 66 Large CUs have this signature | 745 nationally
→ Stable (34→34 CUs)

Liquidity Strain

risk
#24 of 26 • Bottom 33.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.90%
(Tier: 82.82%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 3.54%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
26 of 66 Large CUs have this signature | 367 nationally
→ Stable (27→26 CUs) -1 CUs YoY | Rank worsening

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 37 peers in tier

Top Strengths (5 metrics)

4
Members Per Employee (MPE)
engagement
Value: 617.073
Peer Median: 416.780
#4 of 37 Top 8.1% in 5B-7B tier
5
AMR Growth Rate
growth
Value: 7.53%
Peer Median: 2.98%
#5 of 37 Top 10.8% in 5B-7B tier
6
Loan-to-Member Ratio (LMR)
engagement
Value: $18,184
Peer Median: $13,954
#6 of 37 Top 13.5% in 5B-7B tier
8
Average Member Relationship (AMR)
engagement
Value: $37,971
Peer Median: $29,948
#8 of 37 Top 18.9% in 5B-7B tier
10
Efficiency Ratio
profitability
Value: 60.45%
Peer Median: 68.24%
#10 of 37 Top 24.3% in 5B-7B tier

Top Weaknesses (6 metrics)

37
Fee Income Per Member
profitability
Value: $81.94
Peer Median: $194.06
#37 of 37 Bottom 2.7% in 5B-7B tier
37
Share Certificate Concentration (%)
balance_sheet
Value: 58.19%
Peer Median: 29.06%
#37 of 37 Bottom 2.7% in 5B-7B tier
35
Member Growth Rate
growth
Value: -2.81%
Peer Median: 2.61%
#35 of 37 Bottom 8.1% in 5B-7B tier
34
Net Interest Margin (NIM)
profitability
Value: 2.47%
Peer Median: 3.16%
#34 of 37 Bottom 10.8% in 5B-7B tier
30
First Mortgage Concentration (%)
balance_sheet
Value: 48.89%
Peer Median: 35.35%
#30 of 37 Bottom 21.6% in 5B-7B tier
30
Total Members
engagement
Value: 238,190
Peer Median: 298,815
#30 of 37 Bottom 21.6% in 5B-7B tier
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