BlastPoint's Credit Union Scorecard
CENTRAL CREDIT UNION OF MARYLAND,IN
Charter #66340 · MD
CENTRAL CREDIT UNION OF MARYLAND,IN has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.11% above tier (higher cost structure)
- - Member decline: -5.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,401
-5.0% YoY-1.8% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$41.6M
-1.8% YoY-0.9% QoQ
|
+$11.4M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$16.6M
-8.1% YoY-2.3% QoQ
|
+$816K |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$36.2M
-2.8% YoY-1.1% QoQ
|
+$10.5M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.7%
+7.0% YoY-11.3% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
4.1%
+0.1% YoY+1.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
85.7%
+0.6% YoY+2.7% QoQ
|
+3.1% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.1%
-43.4% YoY-18.8% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
45.8%
-5.5% YoY-1.2% QoQ
|
-14.9% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$11,999
+0.5% YoY+0.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
1.5%
-11.5% YoY+1.7% QoQ
|
-23.0% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)