BlastPoint's Credit Union Scorecard

MUNICIPAL EMPL.CREDIT UNION OF BALT

Charter #66787 · MD

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 6 in MD

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MUNICIPAL EMPL.CREDIT UNION OF BALT has 2 strengths but faces 14 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

+ Wallet Share Momentum: Top 71.3% in tier
+ Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.5% in tier
- Membership Headwinds: Bottom 7.5% in tier
- Institutional Decline: Bottom 20.6% in tier
- Efficiency Drag: Bottom 24.0% in tier
- Stagnation Risk: Bottom 25.5% in tier
- Indirect Auto Dependency: Bottom 26.1% in tier
- ROA 0.45% below tier average
- Efficiency ratio 7.51% above tier (higher cost structure)
- Delinquency rate 1.46% above tier average
- Member decline: -6.7% YoY
- Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- Average Member Relationship (AMR): Bottom 5.6% in tier
- Member Growth Rate: Bottom 6.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	95,236 -6.7% YoY-1.2% QoQ	-3.4K	98,678 -1.9% YoY	34,720 +7.7% YoY	33,089 +6.1% YoY	56%
Assets	$1.2B +0.4% YoY-1.0% QoQ	$-476.9M	$1.7B +0.5% YoY	$624.1M +9.4% YoY	$547.7M +7.8% YoY	26%
Loans	$803.4M -0.7% YoY-0.3% QoQ	$-429.6M	$1.2B +0.5% YoY	$452.1M +10.3% YoY	$388.7M +8.6% YoY	16%
Deposits	$1.0B -1.0% YoY-1.5% QoQ	$-419.2M	$1.5B +1.3% YoY	$528.8M +10.3% YoY	$464.6M +9.3% YoY	23%

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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	0.3% +135.4% YoY+19.4% QoQ	-0.4%	0.7% +13.4% YoY	0.6% +23.1% YoY	0.7% +273.4% YoY	Bottom 11.8% in tier
NIM	3.6% +8.2% YoY+1.4% QoQ	+0.4%	3.3% +9.3% YoY	3.5% +4.2% YoY	3.7% +5.0% YoY	74%
Efficiency Ratio	81.5% -4.6% YoY-0.0% QoQ	+7.5%	74.0% -10.9% YoY	78.6% -6.6% YoY	79.1% -3.3% YoY	81%
Delinquency Rate	2.3% +31.1% YoY+43.5% QoQ	+1.5	0.8% +6.1% YoY	1.2% +5.3% YoY	1.2% -0.9% YoY	Top 2.6% in tier
Loan To Share	77.6% +0.2% YoY+1.2% QoQ	-7.6%	85.2% -0.8% YoY	65.0% -0.2% YoY	68.0% -1.7% YoY	27%
AMR	$19,306 +6.2% YoY+0.2% QoQ	$-10K	$29,172 +2.8% YoY	$20,685 +4.6% YoY	$19,418 +1.3% YoY	Bottom 5.3% in tier
CD Concentration	25.1% +10.6% YoY+4.2% QoQ	-3.9%	29.0% +0.7% YoY	20.4% +10.6% YoY	19.6% +6.2% YoY	34%
Indirect Auto %	22.4% -19.3% YoY-5.1% QoQ	+3.6%	18.8% -3.0% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	63%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#83 of 116 • Top 71.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.19%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#20 of 217 • Bottom 2.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.54% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Membership Headwinds

decline

#19 of 85 • Bottom 7.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.65%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Institutional Decline

decline

#22 of 31 • Bottom 20.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.24B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -6.65%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.75%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Efficiency Drag

risk

#80 of 96 • Bottom 24.0% in tier

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

Why This Signature

Efficiency Ratio: 81.48%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -6.65%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank worsening

Stagnation Risk

risk

#62 of 85 • Bottom 25.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.65%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.75%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.29%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#162 of 202 • Bottom 26.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.38%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 22.38%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -6.65%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (2 metrics)

Net Worth Ratio

risk

Value: 12.89%

Peer Avg: -

#59 of 304 Top 19.1% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.19%

Peer Avg: -

#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (12 metrics)

297

Total Delinquency Rate (60+ days)

risk

Value: 2.29%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

288

Average Member Relationship (AMR)

engagement

Value: $19,306

Peer Avg: -

#288 of 304 Bottom 5.6% in 1B-3B tier

284

Member Growth Rate

growth

Value: -6.65%

Peer Avg: -

#284 of 304 Bottom 6.9% in 1B-3B tier

282

Loan-to-Member Ratio (LMR)

engagement

Value: $8,436

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

268

Return on Assets (ROA)

profitability

Value: 0.26%

Peer Avg: -

#268 of 304 Bottom 12.2% in 1B-3B tier

268

Deposit Growth Rate

growth

Value: -0.96%

Peer Avg: -

#268 of 304 Bottom 12.2% in 1B-3B tier

266

Net Charge-Off Rate

risk

Value: 1.04%

Peer Avg: -

#266 of 304 Bottom 12.8% in 1B-3B tier

257

Total Loans

balance_sheet

Value: $803.45M

Peer Avg: -

#257 of 304 Bottom 15.8% in 1B-3B tier

247

Efficiency Ratio

profitability

Value: 81.48%

Peer Avg: -

#247 of 304 Bottom 19.1% in 1B-3B tier

240

Loan Growth Rate

growth

Value: -0.75%

Peer Avg: -

#240 of 304 Bottom 21.4% in 1B-3B tier