BlastPoint's Credit Union Scorecard
TOWER
Charter #8333 · MD
TOWER has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 25.0% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.26% above tier average
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.7% in tier
- - Credit Risk Growth: Bottom 37.5% in tier
- - Indirect Auto Dependency: Bottom 46.9% in tier
- - Membership Headwinds: Bottom 81.2% in tier
- - Stagnation Risk: Bottom 81.2% in tier
- - Efficiency ratio 2.22% above tier (higher cost structure)
- - Total Assets: Bottom 2.6% in tier
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Maryland.
- Shares and deposits +5.3% year over year ($4.31B in shares and deposits).
- Membership: 222,073 members, -0.7% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 1.16%.
- Efficiency ratio 67.40% vs a 65.18% peer average.
- Loan-to-share ratio 88.03% vs a 85.64% 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 |
222,073
-0.7% YoY+1.6% QoQ
|
-88.8K |
310,918
+6.0% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 12.8% in tier |
| Assets |
$5.0B
+6.0% YoY-0.0% QoQ
|
$-787.1M |
$5.8B
-1.1% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.1% in tier |
| Loans |
$3.8B
+6.1% YoY+2.3% QoQ
|
$-405.9M |
$4.2B
-0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$4.3B
+5.3% YoY-0.2% QoQ
|
$-584.7M |
$4.9B
-1.3% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.7% in tier |
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| ROA |
1.2%
-4.8% YoY+10.0% QoQ
|
+0.2% |
0.9%
+35.3% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.5%
-2.2% YoY+1.2% QoQ
|
+0.3% |
3.2%
+9.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
67.4%
+0.7% YoY-2.7% QoQ
|
+2.2% |
65.2%
-9.0% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.4%
+48.2% YoY+16.9% QoQ
|
-0.4 |
0.8%
+23.8% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
88.0%
+0.8% YoY+2.6% QoQ
|
+2.4% |
85.6%
-0.2% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$36,495
+6.4% YoY-0.7% QoQ
|
+$4K |
$32,010
-7.3% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
23.3%
+4.3% YoY+3.6% QoQ
|
-5.0% | 28.3% | 21.7% | 20.0% | 29% |
| Indirect Auto % |
17.7%
+7.2% YoY+5.3% QoQ
|
+0.9% | 16.8% | 7.3% | 7.7% | 53% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)