BlastPoint's Credit Union Scorecard
NASA
Charter #6328 · MD
NASA has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 20.3% in tier
- + Wallet Share Momentum: Top 20.3% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.8% in tier
- - Indirect Auto Dependency: Bottom 57.8% in tier
- - Membership Headwinds: Bottom 85.9% in tier
- - Stagnation Risk: Bottom 85.9% in tier
- - ROA 0.07% below tier average
- - Share Certificate Concentration (%): Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 7.7% in tier
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Maryland.
- Shares and deposits +5.3% year over year ($4.66B in shares and deposits).
- Membership: 238,953 members, -1.4% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.86%.
- Efficiency ratio 55.69% vs a 65.18% peer average.
- Loan-to-share ratio 94.63% vs a 85.64% 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 |
238,953
-1.4% YoY+0.3% QoQ
|
-72.0K |
310,918
+6.0% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$5.8B
+5.1% YoY-0.6% QoQ
|
+$7.8M |
$5.8B
-1.1% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$4.4B
+4.9% YoY+1.8% QoQ
|
+$208.6M |
$4.2B
-0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$4.7B
+5.3% YoY-1.1% QoQ
|
$-235.8M |
$4.9B
-1.3% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.9%
+51.2% YoY+47.0% QoQ
|
-0.1% |
0.9%
+35.3% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
2.5%
-0.6% YoY+2.1% QoQ
|
-0.7% |
3.2%
+9.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
55.7%
+1.4% YoY-7.9% QoQ
|
-9.5% |
65.2%
-9.0% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
15% |
| Delinquency Rate |
0.5%
-18.0% YoY-8.9% QoQ
|
-0.3 |
0.8%
+23.8% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
94.6%
-0.4% YoY+3.0% QoQ
|
+9.0% |
85.6%
-0.2% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$37,948
+6.6% YoY-0.1% QoQ
|
+$6K |
$32,010
-7.3% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
58.0%
+1.6% YoY-0.3% QoQ
|
+29.7% | 28.3% | 21.7% | 20.0% | Top 1.5% in tier |
| Indirect Auto % |
17.9%
-0.4% YoY-2.3% QoQ
|
+1.1% | 16.8% | 7.3% | 7.7% | 56% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)