BlastPoint's Credit Union Scorecard

MARKET USA

Charter #9003 · MD

100M-500M

1024 CUs in 100M-500M nationally 16 in MD

MARKET USA has 5 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
+ ROA 0.30% above tier average
+ Net Interest Margin 1.30% above tier average
+ AMR Growth Rate: Top 1.7% in tier
+ Net Worth Ratio: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: 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
- Efficiency ratio 0.12% above tier (higher cost structure)
- Delinquency rate 0.71% above tier average
- Member decline: -17.5% YoY

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
Shares and deposits +2.2% year over year ($114M in shares and deposits).
Membership: 16,525 members, -17.5% vs a year ago.
Delinquency rate 1.59%.
Return on assets 1.16%.
Efficiency ratio 76.85% vs a 76.73% peer average.
Loan-to-share ratio 79.86% vs a 71.54% 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	16,525 -17.5% YoY-3.1% QoQ	+1.4K	15,168 -2.6% YoY	36,510 +7.3% YoY	34,678 +6.6% YoY	65%
Assets	$142.3M +2.2% YoY+0.6% QoQ	$-89.7M	$232.0M +0.7% YoY	$678.8M +11.6% YoY	$593.1M +10.2% YoY	27%
Loans	$91.1M -1.4% YoY+4.1% QoQ	$-55.2M	$146.3M +0.2% YoY	$482.2M +10.0% YoY	$418.6M +10.1% YoY	30%
Deposits	$114.1M +2.2% YoY+0.7% QoQ	$-86.6M	$200.7M +0.2% YoY	$576.6M +11.4% YoY	$504.8M +10.3% YoY	21%

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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	1.2% +604.1% YoY+46.2% QoQ	+0.3%	0.9% +12.5% YoY	0.7% +24.7% YoY	1.2% +121.4% YoY	73%
NIM	5.0% -9.2% YoY+0.0% QoQ	+1.3%	3.7% +4.5% YoY	3.4% -0.6% YoY	3.8% +2.3% YoY	Top 3.2% in tier
Efficiency Ratio	76.9% +4.4% YoY-0.4% QoQ	+0.1%	76.7% -0.8% YoY	84.7% +4.5% YoY	83.0% -5.3% YoY	48%
Delinquency Rate	1.6% -40.2% YoY-3.3% QoQ	+0.7	0.9% +6.6% YoY	1.2% +2.8% YoY	1.3% +2.6% YoY	Bottom 12.2% in tier
Loan To Share	79.9% -3.5% YoY+3.3% QoQ	+8.3%	71.5% -0.3% YoY	63.7% -0.8% YoY	66.4% -1.4% YoY	64%
AMR	$12,415 +21.8% YoY+5.5% QoQ	$-13K	$25,107 +3.2% YoY	$21,403 +4.3% YoY	$20,028 -0.9% YoY	Bottom 2.3% in tier
CD Concentration	22.9% +2.7% YoY+0.5% QoQ	-1.6%	24.6%	21.7%	20.0%	50%
Indirect Auto %	36.3% -27.0% YoY-12.9% QoQ	+22.7%	13.6%	7.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#21 of 483 • 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): 21.83%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#12 of 549 • 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): -17.46%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#22 of 549 • 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): -17.46%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.39%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.59%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#139 of 476 • 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): 2.18%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 36.29%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -17.46%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Institutional Decline

decline

#101 of 230 • 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: $142.31M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -17.46%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.39%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Liquidity Overhang

risk

#79 of 130 • 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: 19.16%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 79.86%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

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 1024 peers in tier

Top Strengths (5 metrics)

AMR Growth Rate

growth

Value: 21.83%

Peer Median: 3.53%

#18 of 1024 Top 1.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.99%

Peer Median: 3.67%

#33 of 1024 Top 3.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.16%

Peer Median: 11.71%

#45 of 1024 Top 4.3% in 100M-500M tier

126

First Mortgage Concentration (%)

balance_sheet

Value: 10.12%

Peer Median: 29.92%

#126 of 1024 Top 12.2% in 100M-500M tier

195

Members Per Employee (MPE)

engagement

Value: 403.049

Peer Median: 310.924

#195 of 1024 Top 18.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1015

Member Growth Rate

growth

Value: -17.46%

Peer Median: -0.03%

#1015 of 1024 Bottom 1.0% in 100M-500M tier

1000

Average Member Relationship (AMR)

engagement

Value: $12,415

Peer Median: $23,006

#1000 of 1024 Bottom 2.4% in 100M-500M tier

997

Net Charge-Off Rate

risk

Value: 1.68%

Peer Median: 0.34%

#997 of 1024 Bottom 2.7% in 100M-500M tier

927

Loan-to-Member Ratio (LMR)

engagement

Value: $5,512

Peer Median: $9,434

#927 of 1024 Bottom 9.6% in 100M-500M tier

919

Indirect Auto Concentration (%)

balance_sheet

Value: 36.29%

Peer Median: 6.15%

#919 of 1024 Bottom 10.4% in 100M-500M tier

900

Total Delinquency Rate (60+ days)

risk

Value: 1.59%

Peer Median: 0.71%

#900 of 1024 Bottom 12.2% in 100M-500M tier

812

Total Deposits

balance_sheet

Value: $114.07M

Peer Median: $170.77M

#812 of 1024 Bottom 20.8% in 100M-500M tier

776

Loan Growth Rate

growth

Value: -1.39%

Peer Median: 3.02%

#776 of 1024 Bottom 24.3% in 100M-500M tier