BlastPoint's Credit Union Scorecard
FIRST FINANCIAL OF MARYLAND
Charter #8554 · MD
FIRST FINANCIAL OF MARYLAND has 2 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
- + Strong member growth: 7.4% YoY
- + Net Worth Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.5% in tier
- - Credit Quality Pressure: Bottom 21.2% in tier
- - Credit Risk Growth: Bottom 25.0% in tier
- - Indirect Auto Dependency: Bottom 25.5% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 6.81% above tier (higher cost structure)
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 7 that size in Maryland.
- Shares and deposits +7.2% year over year ($1.18B in shares and deposits).
- Membership: 81,365 members, +7.4% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.33%.
- Efficiency ratio 79.83% vs a 73.02% peer average.
- Loan-to-share ratio 78.59% vs a 84.71% 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 |
81,365
+7.4% YoY+1.0% QoQ
|
-15.5K |
96,861
-1.9% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$1.4B
+8.2% YoY+0.8% QoQ
|
$-291.9M |
$1.7B
+0.4% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$930.0M
+10.1% YoY+5.1% QoQ
|
$-304.2M |
$1.2B
+0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$1.2B
+7.2% YoY+0.7% QoQ
|
$-280.0M |
$1.5B
+0.5% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.3%
+90.5% YoY-10.7% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.7% in tier |
| NIM |
3.4%
+6.0% YoY+2.2% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
79.8%
-5.4% YoY+3.2% QoQ
|
+6.8% |
73.0%
-2.7% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.5%
+55.9% YoY+26.0% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
78.6%
+2.8% YoY+4.4% QoQ
|
-6.1% |
84.7%
+0.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$25,973
+1.0% YoY+1.6% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
28.4%
+9.7% YoY+1.9% QoQ
|
-0.7% | 29.1% | 21.7% | 20.0% | 48% |
| Indirect Auto % |
17.7%
+9.6% YoY+6.4% QoQ
|
-0.4% | 18.1% | 7.3% | 7.7% | 55% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)