BlastPoint's Credit Union Scorecard

TOWER

Charter #8333 · MD

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 1 in MD

View Mid-Market leaderboard →

TOWER has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 17.2% in tier
+ Wallet Share Momentum: Top 27.9% in tier
+ ROA 0.52% above tier average
+ Net Interest Margin 0.40% above tier average
+ Net Worth Ratio: Top 5.3% in tier
+ Total Deposits: Top 5.3% in tier
+ AMR Growth Rate: Top 6.6% in tier
+ Total Assets: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 27.8% in tier
- Credit Quality Pressure: Bottom 33.3% in tier
- Membership Headwinds: Bottom 36.9% in tier
- Credit Risk Growth: Bottom 39.3% in tier
- Stagnation Risk: Bottom 75.0% in tier
- Indirect Auto Dependency: Bottom 77.4% in tier
- Member decline: -3.3% YoY
- Member Growth Rate: Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	216,226 -3.3% YoY-2.6% QoQ	-14.1K	230,353 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	54%
Assets	$4.8B +5.4% YoY+0.6% QoQ	+$848.0M	$3.9B +0.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	Top 7.9% in tier
Loans	$3.6B +5.6% YoY+0.5% QoQ	+$708.9M	$2.9B -0.2% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	Top 11.8% in tier
Deposits	$4.1B +6.6% YoY+0.3% QoQ	+$810.7M	$3.3B -0.3% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	Top 6.6% 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	1.2% -8.3% YoY-6.9% QoQ	+0.5%	0.7% +16.8% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	Top 11.8% in tier
NIM	3.5% +0.5% YoY-1.3% QoQ	+0.4%	3.1% +9.8% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	65.5% +0.6% YoY+1.5% QoQ	-5.9%	71.4% -1.4% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.4% +97.3% YoY+74.1% QoQ	-0.4	0.9% +5.8% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	25%
Loan To Share	88.4% -0.9% YoY+0.3% QoQ	-0.5%	88.9% -0.2% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	38%
AMR	$35,914 +9.8% YoY+3.1% QoQ	+$6K	$29,682 +1.5% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	79%
CD Concentration	23.1% +4.3% YoY+2.5% QoQ	-6.0%	29.0%	20.4%	19.8%	24%
Indirect Auto %	15.8% +5.6% YoY-3.8% QoQ	-2.5%	18.3%	7.3%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#12 of 65 • Top 17.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.84%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.2K, National: $2.0K)

but worse than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank improving

Wallet Share Momentum

growth

#35 of 123 • Top 27.9% in tier

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

Why This Signature

AMR Growth (YoY): 9.84%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (6)

Margin Compression

decline

#6 of 19 • Bottom 27.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.23%

(Tier: 0.69%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.34%

(Tier: 0.57%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 145 nationally

→ No prior data (19 CUs now) | New qualifier

Credit Quality Pressure

risk

#71 of 211 • Bottom 33.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Membership Headwinds

decline

#32 of 85 • Bottom 36.9% in tier

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

Why This Signature

Member Growth (YoY): -3.35%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Credit Risk Growth

risk

#65 of 164 • Bottom 39.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.64%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.22% points

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

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Stagnation Risk

risk

#64 of 85 • Bottom 75.0% 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): -3.35%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 5.64%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.45%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Indirect Auto Dependency

risk

#152 of 196 • Bottom 77.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.39%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 15.83%

(Tier: 18.31%, National: 7.78%)

but better than tier avg

Member Growth (YoY): -3.35%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 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 76 peers in tier

Top Strengths (11 metrics)

Net Worth Ratio

risk

Value: 14.34%

Peer Median: -

#5 of 76 Top 5.3% in 3B-5B tier

Total Deposits

balance_sheet

Value: $4.12B

Peer Median: -

#5 of 76 Top 5.3% in 3B-5B tier

AMR Growth Rate

growth

Value: 9.84%

Peer Median: -

#6 of 76 Top 6.6% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.79B

Peer Median: -

#6 of 76 Top 6.6% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.23%

Peer Median: -

#9 of 76 Top 10.5% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.64B

Peer Median: -

#9 of 76 Top 10.5% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.22%

Peer Median: -

#13 of 76 Top 15.8% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.09%

Peer Median: -

#16 of 76 Top 19.7% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $35,914

Peer Median: -

#16 of 76 Top 19.7% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,853

Peer Median: -

#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (1 metrics)

Member Growth Rate

growth

Value: -3.35%

Peer Median: -

#72 of 76 Bottom 6.6% in 3B-5B tier