BlastPoint's Credit Union Scorecard
FREEDOM OF MARYLAND
Charter #8550 · MD
FREEDOM OF MARYLAND has 7 strengths but faces 6 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
- + Organic Growth Engine: Top 52.9% in tier
- + Net Interest Margin 0.66% above tier average
- + Strong member growth: 31.8% YoY
- + Member Growth Rate: Top 1.8% in tier
- + Asset Growth Rate: Top 3.0% in tier
- + Deposit Growth Rate: Top 3.0% in tier
- + Loan Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 9.2% in tier
- - Indirect Auto Dependency: Bottom 24.2% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 0.97% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - AMR Growth Rate: Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,086
+31.8% YoY-1.4% QoQ
|
+3.5K |
38,575
-4.8% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$557.4M
+17.6% YoY+0.5% QoQ
|
$-64.3M |
$621.7M
+0.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$441.1M
+21.6% YoY+0.6% QoQ
|
+$11.3M |
$429.8M
-1.8% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$496.9M
+17.0% YoY+0.4% QoQ
|
$-41.8M |
$538.7M
+0.6% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
30% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+30218.1% YoY-14.5% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
4.1%
+13.5% YoY+3.3% QoQ
|
+0.7% |
3.4%
+8.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
78.5%
-9.4% YoY+1.8% QoQ
|
+1.0% |
77.5%
-4.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.1%
-28.5% YoY+14.0% QoQ
|
+0.3 |
0.8%
-1.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
88.8%
+4.0% YoY+0.3% QoQ
|
+8.9% |
79.8%
-2.3% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$22,287
-9.6% YoY+1.9% QoQ
|
$-5K |
$26,849
+2.7% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
27.5%
-16.2% YoY-1.7% QoQ
|
+3.0% | 24.4% | 20.4% | 19.8% | 61% |
| Indirect Auto % |
29.3%
-13.5% YoY-3.4% QoQ
|
+15.5% | 13.8% | 7.3% | 7.8% | 83% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)