BlastPoint's Credit Union Scorecard

FIRST FINANCIAL OF MARYLAND

Charter #8554 · MD

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 7 in MD

View Mid-Market leaderboard →

FIRST FINANCIAL OF MARYLAND has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 10.1% YoY
+ Net Worth Ratio: Top 4.6% in tier
+ Member Growth Rate: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.2% in tier
- Credit Quality Pressure: Bottom 19.7% in tier
- Indirect Auto Dependency: Bottom 21.8% in tier
- Credit Risk Growth: Bottom 45.0% in tier
- Shrinking Wallet Share: Bottom 88.9% in tier
- ROA 0.34% below tier average
- Efficiency ratio 2.71% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	80,539 +10.1% YoY+4.0% QoQ	-15.5K	96,048 -2.7% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	42%
Assets	$1.4B +9.1% YoY+4.3% QoQ	$-298.7M	$1.7B +0.4% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	39%
Loans	$884.5M +6.6% YoY+2.0% QoQ	$-329.2M	$1.2B +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	26%
Deposits	$1.2B +8.0% YoY+3.8% QoQ	$-290.8M	$1.5B +0.5% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	39%

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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	0.4% +69.4% YoY+81.1% QoQ	-0.3%	0.7% +27.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	22%
NIM	3.3% +3.1% YoY+2.4% QoQ	+0.0%	3.4% +6.2% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	77.3% -7.6% YoY-5.6% QoQ	+2.7%	74.6% -3.0% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.4% +76.6% YoY-17.1% QoQ	-0.3	0.8% +6.9% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	29%
Loan To Share	75.3% -1.3% YoY-1.8% QoQ	-7.9%	83.2% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	24%
AMR	$25,569 -2.5% YoY-1.0% QoQ	$-4K	$29,652 +2.3% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	34%
CD Concentration	27.9% +15.8% YoY-2.0% QoQ	-1.0%	28.8%	21.1%	19.8%	47%
Indirect Auto %	16.6% +23.7% YoY+4.8% QoQ	-1.4%	18.1%	7.3%	7.7%	51%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#75 of 225 • Bottom 19.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.19% points

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

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#69 of 183 • Bottom 45.0% in tier

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

Why This Signature

Loan Growth (YoY): 6.56%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.19% points

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

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Shrinking Wallet Share

decline

#43 of 82 • Bottom 88.9% in tier

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

Why This Signature

AMR Growth (YoY): -2.47%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Liquidity Overhang

risk

#9 of 15 • Bottom 4.2% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.79%

(Tier: 11.28%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 75.29%

(Tier: 84.20%, National: 65.58%)

worse than tier avg

15 of 384 Mid-Market CUs have this signature | 143 nationally

→ Stable (16→15 CUs) -1 CUs YoY

Indirect Auto Dependency

risk

#165 of 198 • Bottom 21.8% in tier

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

Why This Signature

Asset Growth (YoY): 9.12%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 16.62%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): 10.07%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | 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 306 peers in tier

Top Strengths (5 metrics)

Net Worth Ratio

risk

Value: 16.79%

Peer Median: 10.85%

#15 of 306 Top 4.6% in 1B-3B tier

Member Growth Rate

growth

Value: 10.07%

Peer Median: 2.03%

#22 of 306 Top 6.9% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.12%

Peer Median: 4.82%

#60 of 306 Top 19.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 419.474

Peer Median: 345.077

#67 of 306 Top 21.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 7.97%

Peer Median: 4.44%

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (3 metrics)

273

AMR Growth Rate

growth

Value: -2.47%

Peer Median: 3.15%

#273 of 306 Bottom 11.1% in 1B-3B tier

240

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Median: 0.66%

#240 of 306 Bottom 21.9% in 1B-3B tier

234

Loan-to-Share Ratio

balance_sheet

Value: 75.29%

Peer Median: 85.31%

#234 of 306 Bottom 23.9% in 1B-3B tier