BlastPoint's Credit Union Scorecard
POINT BREEZE
Charter #66585 · MD
POINT BREEZE has 4 strengths but faces 6 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
- + Organic Growth Leader: Top 7.7% in tier
- + Organic Growth Engine: Top 17.6% in tier
- + Members Per Employee (MPE): Top 7.1% in tier
- + Total Assets: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 23.1% in tier
- - Efficiency Drag: Bottom 26.1% in tier
- - Credit Quality Pressure: Bottom 29.2% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 7.80% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,900
+4.4% YoY+2.1% QoQ
|
+15.8K |
52,114
-2.1% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 14.3% in tier |
| Assets |
$960.3M
+4.0% YoY-0.8% QoQ
|
+$101.3M |
$859.0M
+0.0% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 9.8% in tier |
| Loans |
$682.4M
+8.3% YoY+1.7% QoQ
|
+$79.1M |
$603.4M
+1.0% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$822.5M
+4.5% YoY-1.1% QoQ
|
+$88.3M |
$734.2M
+0.9% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 14.3% in tier |
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| ROA |
0.5%
+97.4% YoY-1.9% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.2%
+15.7% YoY+0.2% QoQ
|
-0.2% |
3.4%
+9.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
82.3%
-8.2% YoY+1.0% QoQ
|
+7.8% |
74.5%
-3.2% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.4%
+1.2% YoY+0.5% QoQ
|
-0.4 |
0.8%
+5.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
83.0%
+3.6% YoY+2.8% QoQ
|
+0.3% |
82.7%
+0.1% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$22,163
+1.7% YoY-2.0% QoQ
|
$-6K |
$28,651
+2.5% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
25.5%
+19.4% YoY+6.8% QoQ
|
+1.1% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
54% |
| Indirect Auto % |
7.5%
+3.3% YoY+2.9% QoQ
|
-6.5% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
49% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)