BlastPoint's Credit Union Scorecard

MARKET USA

Charter #9003 · MD

100M-500M

1070 CUs in 100M-500M nationally 15 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 0.07% above tier average
+ Net Interest Margin 1.36% above tier average
+ Net Worth Ratio: Top 4.0% in tier
+ AMR Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.87% above tier average
- Member decline: -14.4% YoY
- Average Member Relationship (AMR): Bottom 1.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	17,055 -14.4% YoY-2.3% QoQ	+1.9K	15,145 -2.5% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	66%
Assets	$141.4M +1.1% YoY+0.7% QoQ	$-90.3M	$231.7M +0.8% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	26%
Loans	$87.5M -8.6% YoY-2.2% QoQ	$-56.6M	$144.1M +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	29%
Deposits	$113.2M +0.8% YoY+0.6% QoQ	$-87.9M	$201.1M +0.4% YoY	$558.1M +9.3% YoY	$494.3M +9.1% 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	0.8% +65.9% YoY+59.3% QoQ	+0.1%	0.7% +5.1% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	57%
NIM	5.0% -9.8% YoY-8.9% QoQ	+1.4%	3.6% +4.6% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	Top 3.0% in tier
Efficiency Ratio	77.2% +4.0% YoY+6.9% QoQ	-0.8%	78.0% -1.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	1.6% -37.3% YoY-21.7% QoQ	+0.9	0.8% +7.1% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Bottom 8.6% in tier
Loan To Share	77.3% -9.3% YoY-2.9% QoQ	+6.9%	70.4% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	61%
AMR	$11,773 +12.7% YoY+1.7% QoQ	$-13K	$24,918 +2.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	Bottom 1.3% in tier
CD Concentration	22.8% +4.0% YoY-1.6% QoQ	-1.5%	24.3%	21.1%	19.8%	50%
Indirect Auto %	41.7% -17.9% YoY-6.2% QoQ	+27.9%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#75 of 491 • 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): 12.67%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#1 of 570 • 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): -14.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.60%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.64%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#17 of 570 • 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): -14.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#28 of 250 • 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: $141.44M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -14.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.60%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#139 of 504 • 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): 1.13%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 41.67%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -14.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Overhang

risk

#70 of 126 • 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: 18.89%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 77.31%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.99%

Peer Median: 3.62%

#32 of 1070 Top 2.9% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.89%

Peer Median: 11.45%

#44 of 1070 Top 4.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.67%

Peer Median: 3.46%

#60 of 1070 Top 5.5% in 100M-500M tier

143

First Mortgage Concentration (%)

balance_sheet

Value: 10.55%

Peer Median: 29.47%

#143 of 1070 Top 13.3% in 100M-500M tier

160

Members Per Employee (MPE)

engagement

Value: 426.375

Peer Median: 309.176

#160 of 1070 Top 14.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1056

Average Member Relationship (AMR)

engagement

Value: $11,773

Peer Median: $22,931

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1053

Member Growth Rate

growth

Value: -14.37%

Peer Median: -0.06%

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1050

Net Charge-Off Rate

risk

Value: 1.97%

Peer Median: 0.35%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1025

Loan Growth Rate

growth

Value: -8.60%

Peer Median: 2.93%

#1025 of 1070 Bottom 4.3% in 100M-500M tier

999

Loan-to-Member Ratio (LMR)

engagement

Value: $5,133

Peer Median: $9,356

#999 of 1070 Bottom 6.7% in 100M-500M tier

994

Indirect Auto Concentration (%)

balance_sheet

Value: 41.67%

Peer Median: 6.61%

#994 of 1070 Bottom 7.2% in 100M-500M tier

979

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Median: 0.61%

#979 of 1070 Bottom 8.6% in 100M-500M tier

858

Total Deposits

balance_sheet

Value: $113.24M

Peer Median: $171.29M

#858 of 1070 Bottom 19.9% in 100M-500M tier

810

Asset Growth Rate

growth

Value: 1.13%

Peer Median: 3.91%

#810 of 1070 Bottom 24.4% in 100M-500M tier