BlastPoint's Credit Union Scorecard
ACT 1ST
Charter #6679 · MD
ACT 1ST has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.12% below tier average
- - Delinquency rate 0.64% above tier average
- - Net Worth Ratio: Bottom 3.4% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
- Shares and deposits +1.5% year over year ($137M in shares and deposits).
- Membership: 12,052 members, +1.4% vs a year ago.
- Delinquency rate 1.53%.
- Return on assets 0.74%.
- Efficiency ratio 73.64% vs a 76.73% peer average.
- Loan-to-share ratio 79.13% vs a 71.54% 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 |
12,052
+1.4% YoY+0.0% QoQ
|
-3.1K |
15,168
-2.6% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$149.7M
+2.3% YoY-0.5% QoQ
|
$-82.3M |
$232.0M
+0.7% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$108.5M
-0.1% YoY+2.1% QoQ
|
$-37.7M |
$146.3M
+0.2% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$137.2M
+1.5% YoY-0.8% QoQ
|
$-63.5M |
$200.7M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.7%
+88.0% YoY+59.4% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.9%
+2.4% YoY+0.9% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
73.6%
+0.6% YoY-2.1% QoQ
|
-3.1% |
76.7%
-0.8% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
1.5%
+9.2% YoY+49.1% QoQ
|
+0.6 |
0.9%
+6.6% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
79.1%
-1.6% YoY+2.9% QoQ
|
+7.6% |
71.5%
-0.3% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$20,388
-0.6% YoY+0.5% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
31.8%
+1.8% YoY-2.7% QoQ
|
+7.2% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
34.6%
-3.6% YoY-2.0% QoQ
|
+20.9% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)