BlastPoint's Credit Union Scorecard

TOWER

Charter #8333 · MD

Large 5B-7B

37 CUs in 5B-7B nationally 3 in MD

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TOWER has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large 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 20.3% in tier
+ Wallet Share Momentum: Top 20.3% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 0.26% above tier average
+ Net Worth Ratio: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 25.0% in tier
- Credit Risk Growth: Bottom 39.1% in tier
- Indirect Auto Dependency: Bottom 46.9% in tier
- Membership Headwinds: Bottom 87.5% in tier
- Stagnation Risk: Bottom 87.5% in tier
- Efficiency ratio 2.72% above tier (higher cost structure)
- Total Assets: Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	218,540 -0.9% YoY+1.1% QoQ	-89.3K	307,793 +7.6% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	Bottom 10.8% in tier
Assets	$5.0B +6.3% YoY+4.5% QoQ	$-767.0M	$5.8B -0.2% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Bottom 0.1% in tier
Loans	$3.7B +5.8% YoY+1.8% QoQ	$-446.0M	$4.2B +0.4% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	27%
Deposits	$4.3B +5.4% YoY+4.8% QoQ	$-574.7M	$4.9B +0.2% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Bottom 8.1% 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	1.1% -3.3% YoY-14.4% QoQ	+0.2%	0.9% +47.0% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	73%
NIM	3.4% -3.2% YoY-3.3% QoQ	+0.3%	3.2% +9.8% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	65%
Efficiency Ratio	69.3% -1.6% YoY+5.7% QoQ	+2.7%	66.6% -11.0% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.3% +47.3% YoY-25.1% QoQ	-0.4	0.7% +23.3% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	16%
Loan To Share	85.8% +0.4% YoY-2.9% QoQ	+1.1%	84.7% -0.7% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	38%
AMR	$36,743 +6.5% YoY+2.3% QoQ	+$5K	$32,237 -7.3% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	76%
CD Concentration	22.5% +2.9% YoY-2.6% QoQ	-6.1%	28.6%	21.1%	19.8%	24%
Indirect Auto %	16.8% +5.0% YoY+6.3% QoQ	+0.5%	16.4%	7.3%	7.7%	52%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#6 of 16 • Top 20.3% 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): 6.49%

(Tier: 4.10%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.5K

(Tier: $3.4K, National: $2.1K)

better than tier avg

16 of 66 Large CUs have this signature | 342 nationally

→ Stable (11→16 CUs) +5 CUs YoY | Rank improving

Wallet Share Momentum

growth

#13 of 15 • Top 20.3% in tier

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

Why This Signature

AMR Growth (YoY): 6.49%

(Tier: 4.10%, National: 6.36%)

better than tier avg

15 of 66 Large CUs have this signature | 637 nationally

→ Stable (12→15 CUs) +3 CUs YoY | Rank improving

Concerns (5)

Credit Risk Growth

risk

#13 of 35 • Bottom 39.1% in tier

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

Why This Signature

Loan Growth (YoY): 5.84%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

35 of 66 Large CUs have this signature | 710 nationally

→ No prior data (35 CUs now) | New qualifier

Credit Quality Pressure

risk

#16 of 42 • Bottom 25.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

42 of 66 Large CUs have this signature | 1013 nationally

→ Stable (39→42 CUs) +3 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#26 of 34 • Bottom 46.9% in tier

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

Why This Signature

Asset Growth (YoY): 6.26%

(Tier: 8.53%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.83%

(Tier: 16.37%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.85%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

34 of 66 Large CUs have this signature | 745 nationally

→ Stable (34→34 CUs) | Rank improving

Membership Headwinds

decline

#9 of 10 • Bottom 87.5% in tier

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

Why This Signature

Member Growth (YoY): -0.85%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 CUs now) | New qualifier

Stagnation Risk

risk

#10 of 10 • Bottom 87.5% 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): -0.85%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.84%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.33%

(Tier: 0.67%, National: 1.19%)

but better than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 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 37 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 13.99%

Peer Median: 10.38%

#4 of 37 Top 8.1% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 0.28%

Peer Median: 0.58%

#6 of 37 Top 13.5% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.65%

#7 of 37 Top 16.2% in 5B-7B tier

AMR Growth Rate

growth

Value: 6.49%

Peer Median: 2.98%

#8 of 37 Top 18.9% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,971

Peer Median: $13,954

#8 of 37 Top 18.9% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.49%

Peer Median: 29.06%

#9 of 37 Top 21.6% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $36,743

Peer Median: $29,948

#9 of 37 Top 21.6% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 1.06%

Peer Median: 0.75%

#10 of 37 Top 24.3% in 5B-7B tier

Top Weaknesses (6 metrics)

Total Assets

balance_sheet

Value: $5.00B

Peer Median: $5.68B

#37 of 37 Bottom 2.7% in 5B-7B tier

Total Deposits

balance_sheet

Value: $4.32B

Peer Median: $4.75B

#34 of 37 Bottom 10.8% in 5B-7B tier

Member Growth Rate

growth

Value: -0.85%

Peer Median: 2.61%

#33 of 37 Bottom 13.5% in 5B-7B tier

Total Members

engagement

Value: 218,540

Peer Median: 298,815

#33 of 37 Bottom 13.5% in 5B-7B tier

Fee Income Per Member

profitability

Value: $140.69

Peer Median: $194.06

#32 of 37 Bottom 16.2% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 347.994

Peer Median: 416.780

#29 of 37 Bottom 24.3% in 5B-7B tier