BlastPoint's Credit Union Scorecard
NASA
Charter #6328 · MD
NASA has 2 strengths but faces 7 concerns
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How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + 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
|
26% |
| 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
|
47% |
| 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
|
53% |
| 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
|
35% |
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| 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
|
35% |
| 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
|
29% |
| 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
|
53% |
| 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
|
62% |
| 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
|
74% |
| 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
|
58% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)