BlastPoint's Credit Union Scorecard
APL
Charter #9475 · MD
APL has 7 strengths but faces 1 concern
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 Engine: Top 48.6% in tier
- + Relationship Depth Leader: Top 58.8% in tier
- + Organic Growth Leader: Top 80.0% in tier
- + ROA 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
- + Efficiency Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,919
+1.2% YoY+0.1% QoQ
|
-7.7K |
38,575
-4.8% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$697.8M
+8.9% YoY+2.5% QoQ
|
+$76.1M |
$621.7M
+0.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$456.9M
+2.7% YoY+0.4% QoQ
|
+$27.1M |
$429.8M
-1.8% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$617.6M
+7.7% YoY+2.6% QoQ
|
+$78.9M |
$538.7M
+0.6% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.0%
+21.6% YoY+4.0% QoQ
|
+0.4% |
0.7%
+42.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
2.6%
+11.4% YoY+1.0% QoQ
|
-0.9% |
3.4%
+8.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
66.5%
-6.5% YoY-2.6% QoQ
|
-11.0% |
77.5%
-4.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
0.5%
-16.4% YoY+6.2% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
74.0%
-4.7% YoY-2.1% QoQ
|
-5.9% |
79.8%
-2.3% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$34,751
+4.3% YoY+1.6% QoQ
|
+$8K |
$26,849
+2.7% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Top 13.3% in tier |
| CD Concentration |
29.0%
+13.9% YoY-0.2% QoQ
|
+4.6% | 24.4% | 20.4% | 19.8% | 68% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (0)
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)