BlastPoint's Credit Union Scorecard

POINT BREEZE

Charter #66585 · MD

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 7 in MD

View Mid-Market leaderboard →

POINT BREEZE has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 46.8% in tier
+ Organic Growth Engine: Top 46.8% in tier
+ Members Per Employee (MPE): Top 3.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.1% in tier
- ROA 0.23% below tier average
- Efficiency ratio 9.27% above tier (higher cost structure)
- Total Assets: Bottom 0.3% in tier
- Total Deposits: Bottom 3.3% in tier
- Total Loans: Bottom 6.9% in tier
- Fee Income Per Member: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	67,607 +2.4% YoY+0.4% QoQ	-28.4K	96,048 -2.7% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	24%
Assets	$1.0B +4.7% YoY+3.4% QoQ	$-718.6M	$1.7B +0.4% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Bottom 0.1% in tier
Loans	$694.5M +7.5% YoY+0.4% QoQ	$-519.3M	$1.2B +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	Bottom 6.5% in tier
Deposits	$861.2M +4.8% YoY+3.9% QoQ	$-604.3M	$1.5B +0.5% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Bottom 2.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +19.7% YoY-5.0% QoQ	-0.2%	0.7% +27.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	30%
NIM	3.3% +3.9% YoY+0.3% QoQ	-0.1%	3.4% +6.2% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	83.9% +2.3% YoY+1.4% QoQ	+9.3%	74.6% -3.0% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	85%
Delinquency Rate	0.3% -37.6% YoY-37.6% QoQ	-0.5	0.8% +6.9% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Top 12.4% in tier
Loan To Share	80.6% +2.6% YoY-3.4% QoQ	-2.5%	83.2% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	36%
AMR	$23,011 +3.5% YoY+1.9% QoQ	$-7K	$29,652 +2.3% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	19%
CD Concentration	26.3% +15.0% YoY+3.9% QoQ	-2.5%	28.8%	21.1%	19.8%	41%
Indirect Auto %	7.0% -2.6% YoY-4.6% QoQ	-11.1%	18.1%	7.3%	7.7%	30%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#79 of 116 • Top 46.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.43%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 6.99%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#106 of 115 • Top 46.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.43%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.49%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 6.99%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#31 of 100 • Bottom 14.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.90%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 2.43%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 524.085

Peer Median: 345.077

#13 of 306 Top 3.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: 0.63%

#39 of 306 Top 12.4% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.63%

Peer Median: 10.85%

#40 of 306 Top 12.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.23%

Peer Median: 0.51%

#55 of 306 Top 17.6% in 1B-3B tier

Top Weaknesses (9 metrics)

306

Total Assets

balance_sheet

Value: $1.00B

Peer Median: $1.51B

#306 of 306 Bottom 0.3% in 1B-3B tier

297

Total Deposits

balance_sheet

Value: $861.24M

Peer Median: $1.31B

#297 of 306 Bottom 3.3% in 1B-3B tier

286

Total Loans

balance_sheet

Value: $694.47M

Peer Median: $1.11B

#286 of 306 Bottom 6.9% in 1B-3B tier

278

Fee Income Per Member

profitability

Value: $115.20

Peer Median: $191.54

#278 of 306 Bottom 9.5% in 1B-3B tier

263

First Mortgage Concentration (%)

balance_sheet

Value: 49.80%

Peer Median: 33.05%

#263 of 306 Bottom 14.4% in 1B-3B tier

260

Efficiency Ratio

profitability

Value: 83.90%

Peer Median: 75.16%

#260 of 306 Bottom 15.4% in 1B-3B tier

248

Loan-to-Member Ratio (LMR)

engagement

Value: $10,272

Peer Median: $12,733

#248 of 306 Bottom 19.3% in 1B-3B tier

247

Average Member Relationship (AMR)

engagement

Value: $23,011

Peer Median: $28,178

#247 of 306 Bottom 19.6% in 1B-3B tier

234

Total Members

engagement

Value: 67,607

Peer Median: 85,918

#234 of 306 Bottom 23.9% in 1B-3B tier