BlastPoint's Credit Union Scorecard

FREEDOM OF MARYLAND

Charter #8550 · MD

Community 500M-750M

165 CUs in 500M-750M nationally 6 in MD

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FREEDOM OF MARYLAND has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.84% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.7% in tier
- Efficiency Drag: Bottom 40.6% in tier
- Shrinking Wallet Share: Bottom 91.5% in tier
- Indirect Auto Dependency: Bottom 92.9% in tier
- Deposit Outflow: Bottom 94.0% in tier
- ROA 0.14% below tier average
- Efficiency ratio 3.56% above tier (higher cost structure)
- Delinquency rate 0.74% above tier average

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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Maryland.
Shares and deposits -3.3% year over year ($495M in shares and deposits).
Membership: 42,688 members, -0.1% vs a year ago.
Delinquency rate 1.55%.
Return on assets 0.68%.
Efficiency ratio 80.12% vs a 76.56% peer average.
Loan-to-share ratio 86.29% vs a 79.33% 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	42,688 -0.1% YoY-1.1% QoQ	+4.8K	37,897 -5.0% YoY	36,510 +7.3% YoY	34,678 +6.6% YoY	68%
Assets	$557.4M -2.3% YoY-1.1% QoQ	$-65.0M	$622.4M +0.6% YoY	$678.8M +11.6% YoY	$593.1M +10.2% YoY	28%
Loans	$427.1M -1.9% YoY-0.6% QoQ	$-1.4M	$428.5M -0.7% YoY	$482.2M +10.0% YoY	$418.6M +10.1% YoY	49%
Deposits	$495.0M -3.3% YoY-1.5% QoQ	$-44.8M	$539.8M +0.9% YoY	$576.6M +11.4% YoY	$504.8M +10.3% YoY	30%

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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	0.7% +75.3% YoY+7.7% QoQ	-0.1%	0.8% +39.5% YoY	0.7% +24.7% YoY	1.2% +121.4% YoY	46%
NIM	4.4% +17.3% YoY+1.8% QoQ	+0.8%	3.5% +5.0% YoY	3.4% -0.6% YoY	3.8% +2.3% YoY	Top 8.5% in tier
Efficiency Ratio	80.1% +5.7% YoY-3.0% QoQ	+3.6%	76.6% -3.6% YoY	84.7% +4.5% YoY	83.0% -5.3% YoY	65%
Delinquency Rate	1.6% +19.6% YoY+12.8% QoQ	+0.7	0.8% +3.1% YoY	1.2% +2.8% YoY	1.3% +2.6% YoY	Bottom 7.9% in tier
Loan To Share	86.3% +1.4% YoY+0.9% QoQ	+7.0%	79.3% -1.4% YoY	63.7% -0.8% YoY	66.4% -1.4% YoY	64%
AMR	$21,601 -2.5% YoY+0.0% QoQ	$-6K	$27,294 +4.1% YoY	$21,403 +4.3% YoY	$20,028 -0.9% YoY	20%
CD Concentration	25.9% -8.6% YoY+0.4% QoQ	+1.3%	24.6%	21.7%	20.0%	56%
Indirect Auto %	27.9% -9.6% YoY-2.3% QoQ	+14.2%	13.6%	7.3%	7.7%	82%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Deposit Outflow

decline

#14 of 84 • Bottom 94.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.26%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.11%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 276 Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Credit Quality Pressure

risk

#292 of 693 • Bottom 22.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#110 of 223 • Bottom 91.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.52%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

Efficiency Drag

risk

#377 of 531 • Bottom 40.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.12%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -0.11%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#401 of 476 • Bottom 92.9% in tier

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

Why This Signature

Asset Growth (YoY): -2.29%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 27.86%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.11%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (1 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.37%

Peer Median: 3.55%

#14 of 165 Top 7.9% in 500M-750M tier

Top Weaknesses (9 metrics)

154

Deposit Growth Rate

growth

Value: -3.26%

Peer Median: 4.04%

#154 of 165 Bottom 7.3% in 500M-750M tier

153

Total Delinquency Rate (60+ days)

risk

Value: 1.55%

Peer Median: 0.70%

#153 of 165 Bottom 7.9% in 500M-750M tier

152

Asset Growth Rate

growth

Value: -2.29%

Peer Median: 4.61%

#152 of 165 Bottom 8.5% in 500M-750M tier

150

AMR Growth Rate

growth

Value: -2.52%

Peer Median: 3.83%

#150 of 165 Bottom 9.7% in 500M-750M tier

149

Fee Income Per Member

profitability

Value: $112.25

Peer Median: $191.53

#149 of 165 Bottom 10.3% in 500M-750M tier

145

Net Worth Ratio

risk

Value: 8.66%

Peer Median: 10.42%

#145 of 165 Bottom 12.7% in 500M-750M tier

137

Loan Growth Rate

growth

Value: -1.88%

Peer Median: 4.82%

#137 of 165 Bottom 17.6% in 500M-750M tier

135

Indirect Auto Concentration (%)

balance_sheet

Value: 27.86%

Peer Median: 9.93%

#135 of 165 Bottom 18.8% in 500M-750M tier

132

Average Member Relationship (AMR)

engagement

Value: $21,601

Peer Median: $25,725

#132 of 165 Bottom 20.6% in 500M-750M tier