BlastPoint's Credit Union Scorecard

MONEY ONE

Charter #7264 · MD

1077 CUs in 100M-500M nationally 16 in MD

MONEY ONE has 2 strengths but faces 15 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 98.5% in tier
+ Share Certificate Concentration (%): Top 6.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 3.4% in tier
- Institutional Decline: Bottom 7.6% in tier
- Efficiency Drag: Bottom 17.4% in tier
- Stagnation Risk: Bottom 19.5% in tier
- Credit Quality Pressure: Bottom 27.9% in tier
- ROA 1.01% below tier average
- Efficiency ratio 25.60% above tier (higher cost structure)
- Delinquency rate 1.00% above tier average
- Member decline: -8.1% YoY
- Total Deposits: Bottom 3.1% in tier
- Loan Growth Rate: Bottom 4.5% in tier
- Total Assets: Bottom 4.9% in tier
- Member Growth Rate: Bottom 5.1% in tier
- Asset Growth Rate: Bottom 7.9% in tier
- Total Delinquency Rate (60+ days): Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	7,117 -8.1% YoY0% QoQ	-8.5K	15,628 -3.4% YoY	34,720 +7.7% YoY	33,089 +6.1% YoY	Bottom 10.9% in tier
Assets	$106.8M -2.6% YoY-2.2% QoQ	$-124.5M	$231.3M -0.0% YoY	$624.1M +9.4% YoY	$547.7M +7.8% YoY	Bottom 4.8% in tier
Loans	$76.4M -9.3% YoY-2.3% QoQ	$-71.4M	$147.8M -1.4% YoY	$452.1M +10.3% YoY	$388.7M +8.6% YoY	19%
Deposits	$90.3M +2.2% YoY-2.7% QoQ	$-110.0M	$200.3M -0.0% YoY	$528.8M +10.3% YoY	$464.6M +9.3% YoY	Bottom 3.0% in tier

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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	-0.2% -164.4% YoY+257.2% QoQ	-1.0%	0.8% +15.5% YoY	0.6% +23.1% YoY	0.7% +273.4% YoY	Bottom 3.7% in tier
NIM	3.5% -7.0% YoY+2.6% QoQ	-0.1%	3.6% +6.9% YoY	3.5% +4.2% YoY	3.7% +5.0% YoY	45%
Efficiency Ratio	102.9% +13.3% YoY-0.3% QoQ	+25.6%	77.3% -3.0% YoY	78.6% -6.6% YoY	79.1% -3.3% YoY	Top 1.8% in tier
Delinquency Rate	1.9% +0.9% YoY+14.5% QoQ	+1.0	0.9% +7.6% YoY	1.2% +5.3% YoY	1.2% -0.9% YoY	Top 8.7% in tier
Loan To Share	84.7% -11.3% YoY+0.4% QoQ	+11.9%	72.7% -1.5% YoY	65.0% -0.2% YoY	68.0% -1.7% YoY	74%
AMR	$23,416 +5.1% YoY-2.5% QoQ	$-947	$24,363 +2.9% YoY	$20,685 +4.6% YoY	$19,418 +1.3% YoY	56%
CD Concentration	7.2% -25.0% YoY-18.8% QoQ	-17.2%	24.4% +4.2% YoY	20.4% +10.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	10.0% -42.8% YoY-11.7% QoQ	-3.9%	14.0% -5.7% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#474 of 481 • Top 98.5% in tier

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

Why This Signature

AMR Growth (YoY): 5.08%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline

#57 of 550 • Bottom 3.4% in tier

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

Why This Signature

Member Growth (YoY): -8.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline

#61 of 256 • Bottom 7.6% in tier

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

Why This Signature

Total Assets: $106.80M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -8.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Efficiency Drag

risk

#307 of 521 • Bottom 17.4% in tier

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

Why This Signature

Efficiency Ratio: 102.88%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.56% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -8.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk

#322 of 550 • Bottom 19.5% 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): -8.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.86%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#691 of 736 • Bottom 27.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 7.25%

Peer Avg: -

#74 of 1077 Top 6.8% in 100M-500M tier

231

Fee Income Per Member

profitability

Value: $222.62

Peer Avg: -

#231 of 1077 Top 21.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1059

Efficiency Ratio

profitability

Value: 102.88%

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1045

Total Deposits

balance_sheet

Value: $90.25M

Peer Avg: -

#1045 of 1077 Bottom 3.1% in 100M-500M tier

1037

Return on Assets (ROA)

profitability

Value: -0.22%

Peer Avg: -

#1037 of 1077 Bottom 3.8% in 100M-500M tier

1030

Loan Growth Rate

growth

Value: -9.34%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

1025

Total Assets

balance_sheet

Value: $106.80M

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

1023

Member Growth Rate

growth

Value: -8.08%

Peer Avg: -

#1023 of 1077 Bottom 5.1% in 100M-500M tier

993

Asset Growth Rate

growth

Value: -2.62%

Peer Avg: -

#993 of 1077 Bottom 7.9% in 100M-500M tier

984

Total Delinquency Rate (60+ days)

risk

Value: 1.86%

Peer Avg: -

#984 of 1077 Bottom 8.7% in 100M-500M tier

960

Total Members

engagement

Value: 7,117

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

868

Total Loans

balance_sheet

Value: $76.40M

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier