BlastPoint's Credit Union Scorecard
FIRST FINANCIAL OF MARYLAND
Charter #8554 · MD
FIRST FINANCIAL OF MARYLAND has 5 strengths but faces 8 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 Leader: Top 17.7% in tier
- + Organic Growth Engine: Top 58.1% in tier
- + Strong member growth: 7.8% YoY
- + Net Worth Ratio: Top 3.6% in tier
- + Member Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43.8% in tier
- - Credit Risk Growth: Bottom 47.2% in tier
- - Credit Quality Pressure: Bottom 52.4% in tier
- - Efficiency Drag: Bottom 67.4% in tier
- - Indirect Auto Dependency: Bottom 84.1% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 7.89% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,416
+7.8% YoY+0.4% QoQ
|
-20.0K |
97,431
-2.4% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$1.4B
+8.8% YoY+2.8% QoQ
|
$-360.3M |
$1.7B
+0.9% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$867.5M
+7.5% YoY+0.5% QoQ
|
$-366.9M |
$1.2B
+0.5% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$1.1B
+8.7% YoY+2.9% QoQ
|
$-328.0M |
$1.5B
+0.9% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.2%
+32.9% YoY+32.4% QoQ
|
-0.5% |
0.7%
+20.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.3% in tier |
| NIM |
3.2%
+6.6% YoY+0.5% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
81.9%
-3.7% YoY-1.9% QoQ
|
+7.9% |
74.1%
-9.5% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.5%
+31.7% YoY+21.3% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
76.7%
-1.1% YoY-2.3% QoQ
|
-8.1% |
84.8%
-0.8% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$25,820
+0.3% YoY+1.4% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
28.5%
+21.0% YoY+2.7% QoQ
|
-0.6% | 29.0% | 20.4% | 19.8% | 49% |
| Indirect Auto % |
15.9%
+44.9% YoY+4.9% QoQ
|
-2.4% | 18.3% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)