MUNICIPAL EMPL.CREDIT UNION OF BALT

Charter #66787 | MD

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in MD

MUNICIPAL EMPL.CREDIT UNION OF BALT has 4 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 11.4% in tier
  • + Relationship Depth Leader: Top 23.3% in tier
  • + Emerging Performer: Top 33.8% 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
  • - Liquidity Overhang: Bottom 15.0% 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
 56th in tier
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
 26th in tier
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
 Bottom 15.5% in tier
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
 Bottom 22.7% in tier
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
 74th in tier
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
 Top 19.1% in tier
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
 27th in tier
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%
+0.8% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 34th in tier
Indirect Auto % 22.4%
-19.3% YoY-5.1% QoQ
 +3.6% 18.8%
-2.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 63rd in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#83 of 264 • Top 11.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.19%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#169 of 264 • Top 23.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.19%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#180 of 184 • Top 33.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.26%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -6.65%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (7)

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

Liquidity Overhang

risk
#49 of 113 • Bottom 15.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.89%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 77.61%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

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: $1.72B, 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: 73.45%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.26%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.65%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.3K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 25.08%
(Tier: 28.98%, National: 19.60%)
but better 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: 18.80%, 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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

59
Net Worth Ratio
risk
Value: 12.89%
Peer Avg: 11.44%
#59 of 304 Top 19.1% in 1B-3B tier
68
AMR Growth Rate
growth
Value: 6.19%
Peer Avg: 3.29%
#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: 0.83%
#297 of 304 Bottom 2.6% in 1B-3B tier
288
Average Member Relationship (AMR)
engagement
Value: $19,306
Peer Avg: $29,172
#288 of 304 Bottom 5.6% in 1B-3B tier
284
Member Growth Rate
growth
Value: -6.65%
Peer Avg: 2.20%
#284 of 304 Bottom 6.9% in 1B-3B tier
282
Loan-to-Member Ratio (LMR)
engagement
Value: $8,436
Peer Avg: $13,213
#282 of 304 Bottom 7.6% in 1B-3B tier
268
Return on Assets (ROA)
profitability
Value: 0.26%
Peer Avg: 0.70%
#268 of 304 Bottom 12.2% in 1B-3B tier
268
Deposit Growth Rate
growth
Value: -0.96%
Peer Avg: 5.58%
#268 of 304 Bottom 12.2% in 1B-3B tier
266
Net Charge-Off Rate
risk
Value: 1.04%
Peer Avg: 0.60%
#266 of 304 Bottom 12.8% in 1B-3B tier
257
Total Loans
balance_sheet
Value: $803.45M
Peer Avg: $1.23B
#257 of 304 Bottom 15.8% in 1B-3B tier
247
Efficiency Ratio
profitability
Value: 81.48%
Peer Avg: 73.97%
#247 of 304 Bottom 19.1% in 1B-3B tier
240
Loan Growth Rate
growth
Value: -0.75%
Peer Avg: 5.27%
#240 of 304 Bottom 21.4% in 1B-3B tier