BlastPoint's Credit Union Scorecard
MUNICIPAL EMPL.CREDIT UNION OF BALT
Charter #66787 · MD
MUNICIPAL EMPL.CREDIT UNION OF BALT has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 23.9% in tier
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 77.8% in tier
- - Indirect Auto Dependency: Bottom 84.5% in tier
- - Stagnation Risk: Bottom 95.8% in tier
- - Membership Headwinds: Bottom 95.8% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 4.14% above tier (higher cost structure)
- - Delinquency rate 0.55% above tier average
- - Member decline: -6.3% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
92,195
-6.3% YoY-1.1% QoQ
|
-3.9K |
96,048
-2.7% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$1.3B
+0.7% YoY+1.9% QoQ
|
$-446.2M |
$1.7B
+0.4% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$804.2M
-1.3% YoY-1.0% QoQ
|
$-409.5M |
$1.2B
+0.2% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$1.1B
+0.1% YoY+2.3% QoQ
|
$-402.1M |
$1.5B
+0.5% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.3%
+74.9% YoY-10.7% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.7% in tier |
| NIM |
3.7%
+5.3% YoY-0.4% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
78.8%
-3.9% YoY-2.7% QoQ
|
+4.1% |
74.6%
-3.0% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
1.3%
-10.7% YoY-24.6% QoQ
|
+0.5 |
0.8%
+6.9% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.8% in tier |
| Loan To Share |
75.6%
-1.4% YoY-3.2% QoQ
|
-7.6% |
83.2%
-0.4% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$20,258
+6.1% YoY+2.0% QoQ
|
$-9K |
$29,652
+2.3% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.9% in tier |
| CD Concentration |
25.4%
+9.5% YoY-1.3% QoQ
|
-3.5% | 28.8% | 21.1% | 19.8% | 36% |
| Indirect Auto % |
19.5%
-20.7% YoY-6.0% QoQ
|
+1.4% | 18.1% | 7.3% | 7.7% | 59% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)