BlastPoint's Credit Union Scorecard
POINT BREEZE
Charter #66585 · MD
POINT BREEZE has 5 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
- + Organic Growth Leader: Top 8.6% in tier
- + Organic Growth Engine: Top 8.6% in tier
- + Strong member growth: 9.6% YoY
- + Members Per Employee (MPE): Top 3.0% in tier
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.7% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 12.79% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 6.7% in tier
- - Total Assets: Bottom 8.0% in tier
- - Total Deposits: Bottom 9.3% in tier
- - Total Loans: Bottom 10.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 7 that size in Maryland.
- Shares and deposits +9.9% year over year ($914M in shares and deposits).
- Membership: 72,869 members, +9.6% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 0.43%.
- Efficiency ratio 85.81% vs a 73.02% peer average.
- Loan-to-share ratio 79.79% vs a 84.71% 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 |
72,869
+9.6% YoY+7.8% QoQ
|
-24.0K |
96,861
-1.9% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$1.1B
+9.7% YoY+6.1% QoQ
|
$-662.2M |
$1.7B
+0.4% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.7% in tier |
| Loans |
$729.4M
+8.7% YoY+5.0% QoQ
|
$-504.8M |
$1.2B
+0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.7% in tier |
| Deposits |
$914.1M
+9.9% YoY+6.1% QoQ
|
$-549.2M |
$1.5B
+0.5% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.0% in tier |
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| ROA |
0.4%
-15.3% YoY-11.7% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
3.3%
+2.6% YoY+0.9% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
85.8%
+5.3% YoY+2.3% QoQ
|
+12.8% |
73.0%
-2.7% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate |
0.3%
-27.8% YoY+20.4% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Top 13.0% in tier |
| Loan To Share |
79.8%
-1.1% YoY-1.0% QoQ
|
-4.9% |
84.7%
+0.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$22,555
-0.2% YoY-2.0% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
25.2%
+5.3% YoY-4.2% QoQ
|
-3.9% | 29.1% | 21.7% | 20.0% | 32% |
| Indirect Auto % |
7.0%
-3.5% YoY+0.6% QoQ
|
-11.1% | 18.1% | 7.3% | 7.7% | 30% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)