BlastPoint's Credit Union Scorecard

MARKET USA

Charter #9003 · MD

100M-500M

1069 CUs in 100M-500M nationally 16 in MD

MARKET USA has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 1.87% above tier average
+ Net Worth Ratio: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.26% below tier average
- Delinquency rate 1.20% above tier average
- Member decline: -11.7% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	17,457 -11.7% YoY-13.0% QoQ	+2.0K	15,437 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	66%
Assets	$140.4M +4.2% YoY+1.8% QoQ	$-91.4M	$231.9M +1.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	26%
Loans	$89.5M -10.8% YoY+0.9% QoQ	$-57.8M	$147.3M -0.1% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	28%
Deposits	$112.5M +4.7% YoY+1.3% QoQ	$-88.3M	$200.8M +0.8% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -186.0% YoY+716.8% QoQ	-0.3%	0.8% +18.2% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	31%
NIM	5.5% -6.3% YoY-1.0% QoQ	+1.9%	3.6% +6.7% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	Top 1.0% in tier
Efficiency Ratio	72.2% -3.2% YoY-1.3% QoQ	-4.8%	77.0% -3.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	30%
Delinquency Rate	2.1% -19.7% YoY+3.7% QoQ	+1.2	0.9% +4.2% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	Bottom 6.5% in tier
Loan To Share	79.6% -14.8% YoY-0.4% QoQ	+7.3%	72.2% -1.1% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	62%
AMR	$11,575 +10.2% YoY+16.3% QoQ	$-13K	$24,676 +3.4% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	Bottom 1.2% in tier
CD Concentration	23.2% +3.1% YoY+0.3% QoQ	-1.2%	24.4%	20.4%	19.8%	50%
Indirect Auto %	44.4% -14.7% YoY-8.2% QoQ	+30.6%	13.8%	7.3%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#138 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.15%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#3 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.81%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.10%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#26 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -11.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#46 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 4.18%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 44.42%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -11.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY

Institutional Decline

decline

#28 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $140.42M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -11.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.81%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Overhang

risk

#73 of 135 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 18.83%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 79.58%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.48%

Peer Median: -

#11 of 1069 Top 0.9% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.83%

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

111

AMR Growth Rate

growth

Value: 10.15%

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

135

First Mortgage Concentration (%)

balance_sheet

Value: 10.21%

Peer Median: -

#135 of 1069 Top 12.5% in 100M-500M tier

145

Members Per Employee (MPE)

engagement

Value: 436.425

Peer Median: -

#145 of 1069 Top 13.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1064

Net Charge-Off Rate

risk

Value: 2.61%

Peer Median: -

#1064 of 1069 Bottom 0.6% in 100M-500M tier

1056

Average Member Relationship (AMR)

engagement

Value: $11,575

Peer Median: -

#1056 of 1069 Bottom 1.3% in 100M-500M tier

1046

Member Growth Rate

growth

Value: -11.74%

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

1045

Loan Growth Rate

growth

Value: -10.81%

Peer Median: -

#1045 of 1069 Bottom 2.3% in 100M-500M tier

1014

Indirect Auto Concentration (%)

balance_sheet

Value: 44.42%

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

1001

Loan-to-Member Ratio (LMR)

engagement

Value: $5,129

Peer Median: -

#1001 of 1069 Bottom 6.5% in 100M-500M tier

1000

Total Delinquency Rate (60+ days)

risk

Value: 2.10%

Peer Median: -

#1000 of 1069 Bottom 6.5% in 100M-500M tier

859

Total Deposits

balance_sheet

Value: $112.52M

Peer Median: -

#859 of 1069 Bottom 19.7% in 100M-500M tier