BlastPoint's Credit Union Scorecard
FIRST FINANCIAL OF MARYLAND
Charter #8554 · MD
FIRST FINANCIAL OF MARYLAND has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + 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 3.2% in tier
- - Efficiency Drag: Bottom 16.5% in tier
- - Indirect Auto Dependency: Bottom 25.5% in tier
- - Credit Quality Pressure: Bottom 29.8% in tier
- - Credit Risk Growth: Bottom 36.0% 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 (0)
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)