BlastPoint's Credit Union Scorecard

MONEY ONE

Charter #7264 · MD

100M-500M

1070 CUs in 100M-500M nationally 15 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 5.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.12% below tier average
- Efficiency ratio 10.78% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	6,661 -9.1% YoY-2.6% QoQ	-8.5K	15,145 -2.5% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	Bottom 9.2% in tier
Assets	$107.5M -6.4% YoY+1.0% QoQ	$-124.2M	$231.7M +0.8% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Bottom 5.4% in tier
Loans	$77.7M -0.6% YoY-1.4% QoQ	$-66.4M	$144.1M +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	23%
Deposits	$87.7M -5.8% YoY-0.1% QoQ	$-113.4M	$201.1M +0.4% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Bottom 1.5% 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	0.6% -519.3% QoQ	-0.1%	0.7% +5.1% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	43%
NIM	3.2% -0.2% YoY-6.7% QoQ	-0.4%	3.6% +4.6% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	88.8% -12.2% YoY-14.1% QoQ	+10.8%	78.0% -1.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	1.1% +5.8% YoY-40.3% QoQ	+0.3	0.8% +7.1% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	79%
Loan To Share	88.6% +5.6% YoY-1.3% QoQ	+18.2%	70.4% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	Top 13.1% in tier
AMR	$24,836 +6.2% YoY+1.9% QoQ	$-82	$24,918 +2.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	60%
CD Concentration	6.2% -40.2% YoY+1.1% QoQ	-18.1%	24.3%	21.1%	19.8%	50%
Indirect Auto %	7.4% -49.4% YoY-13.4% QoQ	-6.4%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#357 of 491 • 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): 6.18%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#49 of 570 • 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): -9.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#57 of 570 • 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): -9.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.58%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.09%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#182 of 250 • 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: $107.51M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -9.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.58%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Capital Constraint

risk

#12 of 16 • 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: 88.63%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -5.82%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 11.44%

(Tier: 11.91%, National: 14.35%)

worse than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Credit Quality Pressure

risk

#569 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#503 of 596 • 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: 88.80%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.61% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -9.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 6.20%

Peer Median: 23.10%

#61 of 1070 Top 5.6% in 100M-500M tier

140

Loan-to-Share Ratio

balance_sheet

Value: 88.63%

Peer Median: 71.88%

#140 of 1070 Top 13.0% in 100M-500M tier

144

Fee Income Per Member

profitability

Value: $237.86

Peer Median: $154.95

#144 of 1070 Top 13.4% in 100M-500M tier

237

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.35%

#237 of 1070 Top 22.1% in 100M-500M tier

Top Weaknesses (9 metrics)

1054

Total Deposits

balance_sheet

Value: $87.70M

Peer Median: $171.29M

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1048

Asset Growth Rate

growth

Value: -6.39%

Peer Median: 3.91%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1039

Deposit Growth Rate

growth

Value: -5.82%

Peer Median: 3.30%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1026

Member Growth Rate

growth

Value: -9.05%

Peer Median: -0.06%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

1012

Total Assets

balance_sheet

Value: $107.51M

Peer Median: $196.57M

#1012 of 1070 Bottom 5.5% in 100M-500M tier

972

Total Members

engagement

Value: 6,661

Peer Median: 13,200

#972 of 1070 Bottom 9.3% in 100M-500M tier

876

Efficiency Ratio

profitability

Value: 88.80%

Peer Median: 78.68%

#876 of 1070 Bottom 18.2% in 100M-500M tier

848

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Median: 0.61%

#848 of 1070 Bottom 20.8% in 100M-500M tier

825

Total Loans

balance_sheet

Value: $77.73M

Peer Median: $121.41M

#825 of 1070 Bottom 23.0% in 100M-500M tier