BlastPoint's Credit Union Scorecard

MONEY ONE

Charter #7264 · MD

1069 CUs in 100M-500M nationally 16 in MD

MONEY ONE has 2 strengths but faces 17 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 33.4% in tier
+ Share Certificate Concentration (%): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 2.2% in tier
- Membership Headwinds: Bottom 4.7% in tier
- Credit Quality Pressure: Bottom 34.5% in tier
- Institutional Decline: Bottom 45.6% in tier
- Efficiency Drag: Bottom 58.1% in tier
- Capital Constraint: Bottom 77.3% in tier
- ROA 0.91% below tier average
- Efficiency ratio 26.42% above tier (higher cost structure)
- Delinquency rate 0.93% above tier average
- Member decline: -11.7% YoY
- Total Deposits: Bottom 1.9% in tier
- Member Growth Rate: Bottom 2.3% in tier
- Asset Growth Rate: Bottom 2.3% in tier
- Total Assets: Bottom 4.4% in tier
- Deposit Growth Rate: Bottom 5.4% in tier
- Total Delinquency Rate (60+ days): Bottom 9.2% in tier
- Total Members: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	6,837 -11.7% YoY-3.9% QoQ	-8.6K	15,437 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	Bottom 9.5% in tier
Assets	$106.4M -5.3% YoY-0.4% QoQ	$-125.4M	$231.9M +1.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	Bottom 4.3% in tier
Loans	$78.9M -3.5% YoY+3.2% QoQ	$-68.5M	$147.3M -0.1% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	22%
Deposits	$87.8M -3.6% YoY-2.7% QoQ	$-113.0M	$200.8M +0.8% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	Bottom 1.8% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	-0.1% -144.6% YoY-34.1% QoQ	-0.9%	0.8% +18.2% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	Bottom 4.9% in tier
NIM	3.5% -7.6% YoY-1.1% QoQ	-0.1%	3.6% +6.7% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	41%
Efficiency Ratio	103.4% +12.8% YoY+0.5% QoQ	+26.4%	77.0% -3.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	Top 1.5% in tier
Delinquency Rate	1.8% +20.2% YoY-2.1% QoQ	+0.9	0.9% +4.2% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	Top 9.2% in tier
Loan To Share	89.8% +0.1% YoY+6.1% QoQ	+17.6%	72.2% -1.1% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	Top 14.6% in tier
AMR	$24,379 +9.3% YoY+4.1% QoQ	$-297	$24,676 +3.4% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	60%
CD Concentration	6.1% -41.1% YoY-15.3% QoQ	-18.3%	24.4%	20.4%	19.8%	50%
Indirect Auto %	8.5% -47.0% YoY-15.0% QoQ	-5.3%	13.8%	7.3%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#172 of 513 • Top 33.4% in tier

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

Why This Signature

AMR Growth (YoY): 9.26%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk

#13 of 554 • Bottom 2.2% 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): -11.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.46%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.82%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#27 of 554 • Bottom 4.7% in tier

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

Why This Signature

Member Growth (YoY): -11.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#244 of 705 • Bottom 34.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Institutional Decline

decline

#110 of 240 • Bottom 45.6% in tier

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

Why This Signature

Total Assets: $106.42M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -11.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.46%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#313 of 538 • Bottom 58.1% in tier

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

Why This Signature

Efficiency Ratio: 103.43%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.47% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -11.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Capital Constraint

risk

#18 of 23 • Bottom 77.3% 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: 89.80%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -3.59%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 12.43%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | 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 1069 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 6.14%

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

137

AMR Growth Rate

growth

Value: 9.26%

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

156

Loan-to-Share Ratio

balance_sheet

Value: 89.80%

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

202

Fee Income Per Member

profitability

Value: $231.54

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

Top Weaknesses (11 metrics)

1054

Efficiency Ratio

profitability

Value: 103.43%

Peer Median: -

#1054 of 1069 Bottom 1.5% in 100M-500M tier

1050

Total Deposits

balance_sheet

Value: $87.82M

Peer Median: -

#1050 of 1069 Bottom 1.9% in 100M-500M tier

1045

Member Growth Rate

growth

Value: -11.70%

Peer Median: -

#1045 of 1069 Bottom 2.3% in 100M-500M tier

1045

Asset Growth Rate

growth

Value: -5.29%

Peer Median: -

#1045 of 1069 Bottom 2.3% in 100M-500M tier

1023

Total Assets

balance_sheet

Value: $106.42M

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

1017

Return on Assets (ROA)

profitability

Value: -0.15%

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

1012

Deposit Growth Rate

growth

Value: -3.59%

Peer Median: -

#1012 of 1069 Bottom 5.4% in 100M-500M tier

972

Total Delinquency Rate (60+ days)

risk

Value: 1.82%

Peer Median: -

#972 of 1069 Bottom 9.2% in 100M-500M tier

967

Total Members

engagement

Value: 6,837

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

898

Loan Growth Rate

growth

Value: -3.46%

Peer Median: -

#898 of 1069 Bottom 16.1% in 100M-500M tier