BlastPoint's Credit Union Scorecard
POINT BREEZE
Charter #66585 · MD
POINT BREEZE has 4 strengths but faces 4 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 37.9% in tier
- + Organic Growth Engine: Top 65.2% in tier
- + Members Per Employee (MPE): Top 4.3% in tier
- + Total Assets: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 42.5% in tier
- - Efficiency Drag: Bottom 83.0% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 8.41% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,330
+3.3% YoY-0.8% QoQ
|
+15.2K |
52,084
-1.6% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$968.3M
+1.8% YoY+0.8% QoQ
|
+$104.4M |
$863.9M
+0.5% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Top 9.4% in tier |
| Loans |
$691.9M
+7.6% YoY+1.4% QoQ
|
+$86.0M |
$605.8M
+1.4% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$828.7M
+1.8% YoY+0.8% QoQ
|
+$91.4M |
$737.3M
+0.1% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 14.5% in tier |
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| ROA |
0.5%
+175.8% YoY+2.9% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.3%
+15.5% YoY+1.2% QoQ
|
-0.1% |
3.4%
+8.7% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
82.8%
-9.0% YoY+0.5% QoQ
|
+8.4% |
74.3%
-3.6% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.4%
-22.8% YoY-4.3% QoQ
|
-0.5 |
0.9%
+3.8% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
83.5%
+5.7% YoY+0.6% QoQ
|
+0.9% |
82.6%
+1.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$22,584
+1.1% YoY+1.9% QoQ
|
$-6K |
$28,873
+2.7% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
25.3%
+14.8% YoY-0.9% QoQ
|
+0.9% | 24.4% | 20.4% | 19.8% | 54% |
| Indirect Auto % |
7.3%
+2.3% YoY-2.3% QoQ
|
-6.5% | 13.8% | 7.3% | 7.8% | 48% |
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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)