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 13 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 84.4% in tier
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 6.0% in tier
- - Membership Headwinds: Bottom 20.2% in tier
- - Institutional Decline: Bottom 72.4% in tier
- - Indirect Auto Dependency: Bottom 88.2% in tier
- - Efficiency Drag: Bottom 93.3% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 6.93% above tier (higher cost structure)
- - Delinquency rate 0.83% above tier average
- - Member decline: -6.5% YoY
- - Member Growth Rate: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
93,228
-6.5% YoY-2.1% QoQ
|
-4.2K |
97,431
-2.4% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$1.3B
-0.7% YoY+0.6% QoQ
|
$-473.3M |
$1.7B
+0.9% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$812.6M
-1.9% YoY+1.1% QoQ
|
$-421.8M |
$1.2B
+0.5% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$1.0B
-0.6% YoY+0.4% QoQ
|
$-419.5M |
$1.5B
+0.9% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.3%
+66.7% YoY+23.5% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.7%
+8.9% YoY+1.6% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
81.0%
-3.0% YoY-0.6% QoQ
|
+6.9% |
74.1%
-9.5% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
1.7%
-1.1% YoY-24.5% QoQ
|
+0.8 |
0.9%
+6.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 7.9% in tier |
| Loan To Share |
78.1%
-1.4% YoY+0.7% QoQ
|
-6.6% |
84.8%
-0.8% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$19,870
+5.7% YoY+2.9% QoQ
|
$-10K |
$29,428
+2.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.3% in tier |
| CD Concentration |
25.7%
+13.1% YoY+2.5% QoQ
|
-3.3% | 29.0% | 20.4% | 19.8% | 37% |
| Indirect Auto % |
20.8%
-19.4% YoY-7.2% QoQ
|
+2.4% | 18.3% | 7.3% | 7.8% | 60% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)