BlastPoint's Credit Union Scorecard
FREEDOM OF MARYLAND
Charter #8550 · MD
FREEDOM OF MARYLAND has 1 strength but faces 8 concerns
How does the industry compare?
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How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.82% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 2.4% in tier
- - Efficiency Drag: Bottom 35.4% in tier
- - Credit Quality Pressure: Bottom 44.3% in tier
- - Credit Risk Growth: Bottom 56.9% in tier
- - Stagnation Risk: Bottom 83.9% in tier
- - Membership Headwinds: Bottom 83.9% in tier
- - Indirect Auto Dependency: Bottom 94.8% in tier
- - ROA 0.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,167
-3.5% YoY+2.6% QoQ
|
+5.1K |
38,079
-4.8% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$563.7M
-3.2% YoY+1.1% QoQ
|
$-56.0M |
$619.7M
-0.2% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$429.7M
+2.1% YoY-2.6% QoQ
|
+$10.4M |
$419.3M
-1.4% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$502.6M
-4.0% YoY+1.1% QoQ
|
$-36.9M |
$539.5M
-0.1% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
0.6%
-30.6% YoY+65.0% QoQ
|
-0.1% |
0.7%
+36.0% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
4.3%
+7.9% YoY+4.5% QoQ
|
+0.8% |
3.5%
+4.5% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
Top 8.4% in tier |
| Efficiency Ratio |
82.6%
+25.5% YoY+5.2% QoQ
|
+4.2% |
78.4%
-3.7% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
1.4%
+3.7% YoY+22.1% QoQ
|
+0.7 |
0.7%
-0.9% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.4% in tier |
| Loan To Share |
85.5%
+6.3% YoY-3.7% QoQ
|
+7.8% |
77.7%
-1.2% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$21,598
+2.3% YoY-3.1% QoQ
|
$-5K |
$26,927
+3.1% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
25.7%
-15.5% YoY-6.2% QoQ
|
+1.5% | 24.3% | 21.1% | 19.8% | 56% |
| Indirect Auto % |
28.5%
-4.0% YoY-2.7% QoQ
|
+14.7% | 13.8% | 7.3% | 7.7% | 82% |
Signature Analysis
Strengths (0)
Concerns (7)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)