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
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
- + Wallet Share Momentum: Top 28.0% in tier
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.7% in tier
- - Credit Quality Pressure: Bottom 41.9% in tier
- - Institutional Decline: Bottom 78.4% in tier
- - Indirect Auto Dependency: Bottom 82.5% in tier
- - Stagnation Risk: Bottom 94.9% in tier
- - Membership Headwinds: Bottom 94.9% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 8.53% above tier (higher cost structure)
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 +0.6% year over year ($1.06B in shares and deposits).
- Membership: 91,110 members, -5.5% vs a year ago.
- Delinquency rate 1.66%.
- Return on assets 0.28%.
- Efficiency ratio 81.55% vs a 73.02% peer average.
- Loan-to-share ratio 75.78% 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 |
91,110
-5.5% YoY-1.2% QoQ
|
-5.8K |
96,861
-1.9% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$1.3B
+1.0% YoY-0.4% QoQ
|
$-456.3M |
$1.7B
+0.4% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$800.9M
-0.7% YoY-0.4% QoQ
|
$-433.4M |
$1.2B
+0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$1.1B
+0.6% YoY-0.6% QoQ
|
$-406.5M |
$1.5B
+0.5% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.3%
+28.2% YoY-2.6% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.7% in tier |
| NIM |
3.7%
+3.3% YoY+0.7% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
81.5%
+0.1% YoY+3.5% QoQ
|
+8.5% |
73.0%
-2.7% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
1.7%
+4.1% YoY+27.3% QoQ
|
+0.8 |
0.9%
+7.3% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.0% in tier |
| Loan To Share |
75.8%
-1.2% YoY+0.2% QoQ
|
-8.9% |
84.7%
+0.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$20,390
+5.8% YoY+0.7% QoQ
|
$-9K |
$29,575
+1.5% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
25.7%
+6.8% YoY+1.3% QoQ
|
-3.4% | 29.1% | 21.7% | 20.0% | 36% |
| Indirect Auto % |
17.9%
-24.1% YoY-8.3% QoQ
|
-0.2% | 18.1% | 7.3% | 7.7% | 57% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)