BlastPoint's Credit Union Scorecard

MONEY ONE

Charter #7264 · MD

100M-500M

1024 CUs in 100M-500M nationally 16 in MD

MONEY ONE has 2 strengths but faces 8 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 50.0% in tier
+ Share Certificate Concentration (%): Top 5.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 17.34% above tier (higher cost structure)
- Delinquency rate 0.18% above tier average

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 -5.2% year over year ($87.9M in shares and deposits).
Membership: 6,262 members, -12.0% vs a year ago.
Delinquency rate 1.06%.
Return on assets 0.34%.
Efficiency ratio 94.08% vs a 76.73% peer average.
Loan-to-share ratio 85.60% 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	6,262 -12.0% YoY-6.0% QoQ	-8.9K	15,168 -2.6% YoY	36,510 +7.3% YoY	34,678 +6.6% YoY	Bottom 7.6% in tier
Assets	$105.5M -3.5% YoY-1.9% QoQ	$-126.5M	$232.0M +0.7% YoY	$678.8M +11.6% YoY	$593.1M +10.2% YoY	Bottom 3.5% in tier
Loans	$75.2M -3.8% YoY-3.2% QoQ	$-71.0M	$146.3M +0.2% YoY	$482.2M +10.0% YoY	$418.6M +10.1% YoY	21%
Deposits	$87.9M -5.2% YoY+0.2% QoQ	$-112.8M	$200.7M +0.2% YoY	$576.6M +11.4% YoY	$504.8M +10.3% YoY	Bottom 2.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -645.4% YoY-44.8% QoQ	-0.5%	0.9% +12.5% YoY	0.7% +24.7% YoY	1.2% +121.4% YoY	17%
NIM	3.3% -4.7% YoY+0.7% QoQ	-0.4%	3.7% +4.5% YoY	3.4% -0.6% YoY	3.8% +2.3% YoY	25%
Efficiency Ratio	94.1% -8.9% YoY+5.9% QoQ	+17.3%	76.7% -0.8% YoY	84.7% +4.5% YoY	83.0% -5.3% YoY	Bottom 4.6% in tier
Delinquency Rate	1.1% -34.6% YoY-2.3% QoQ	+0.2	0.9% +6.6% YoY	1.2% +2.8% YoY	1.3% +2.6% YoY	71%
Loan To Share	85.6% +1.5% YoY-3.4% QoQ	+14.1%	71.5% -0.3% YoY	63.7% -0.8% YoY	66.4% -1.4% YoY	77%
AMR	$26,049 +8.5% YoY+4.9% QoQ	+$942	$25,107 +3.2% YoY	$21,403 +4.3% YoY	$20,028 -0.9% YoY	66%
CD Concentration	5.6% -37.3% YoY-9.7% QoQ	-19.0%	24.6%	21.7%	20.0%	50%
Indirect Auto %	6.6% -41.8% YoY-10.5% QoQ	-7.0%	13.6%	7.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#182 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 8.49%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#24 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -12.01%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.76%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.06%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#25 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -12.01%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#93 of 230 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $105.47M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -12.01%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.76%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Efficiency Drag

risk

#325 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.08%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.40% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -12.01%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Capital Constraint

risk

#14 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 85.60%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -5.21%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 11.68%

(Tier: 12.53%, National: 14.66%)

worse than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 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 1024 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.60%

Peer Median: 23.39%

#54 of 1024 Top 5.2% in 100M-500M tier

141

AMR Growth Rate

growth

Value: 8.49%

Peer Median: 3.53%

#141 of 1024 Top 13.7% in 100M-500M tier

144

Fee Income Per Member

profitability

Value: $241.15

Peer Median: $159.88

#144 of 1024 Top 14.0% in 100M-500M tier

207

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.34%

#207 of 1024 Top 20.1% in 100M-500M tier

234

Loan-to-Share Ratio

balance_sheet

Value: 85.60%

Peer Median: 73.07%

#234 of 1024 Top 22.8% in 100M-500M tier

Top Weaknesses (11 metrics)

1005

Member Growth Rate

growth

Value: -12.01%

Peer Median: -0.03%

#1005 of 1024 Bottom 2.0% in 100M-500M tier

1002

Total Deposits

balance_sheet

Value: $87.88M

Peer Median: $170.77M

#1002 of 1024 Bottom 2.2% in 100M-500M tier

999

Deposit Growth Rate

growth

Value: -5.21%

Peer Median: 3.58%

#999 of 1024 Bottom 2.5% in 100M-500M tier

988

Total Assets

balance_sheet

Value: $105.47M

Peer Median: $196.38M

#988 of 1024 Bottom 3.6% in 100M-500M tier

981

Asset Growth Rate

growth

Value: -3.45%

Peer Median: 4.12%

#981 of 1024 Bottom 4.3% in 100M-500M tier

978

Efficiency Ratio

profitability

Value: 94.08%

Peer Median: 77.26%

#978 of 1024 Bottom 4.6% in 100M-500M tier

946

Total Members

engagement

Value: 6,262

Peer Median: 13,128

#946 of 1024 Bottom 7.7% in 100M-500M tier

883

Loan Growth Rate

growth

Value: -3.76%

Peer Median: 3.02%

#883 of 1024 Bottom 13.9% in 100M-500M tier

848

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: 0.75%

#848 of 1024 Bottom 17.3% in 100M-500M tier

813

Total Loans

balance_sheet

Value: $75.23M

Peer Median: $124.04M

#813 of 1024 Bottom 20.7% in 100M-500M tier