BlastPoint's Credit Union Scorecard
APL
Charter #9475 · MD
APL has 6 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 25.7% in tier
- + Organic Growth Leader: Top 25.7% in tier
- + Relationship Depth Leader: Top 45.4% in tier
- + ROA 0.33% above tier average
- + Members Per Employee (MPE): Top 3.0% in tier
- + Total Deposits: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 7.3% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Maryland.
- Shares and deposits +5.7% year over year ($639M in shares and deposits).
- Membership: 31,521 members, +2.5% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 1.14%.
- Efficiency ratio 65.82% vs a 76.56% peer average.
- Loan-to-share ratio 76.04% vs a 79.33% 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 |
31,521
+2.5% YoY+1.2% QoQ
|
-6.4K |
37,897
-5.0% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$723.6M
+6.6% YoY+2.0% QoQ
|
+$101.2M |
$622.4M
+0.6% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 12.7% in tier |
| Loans |
$485.9M
+7.7% YoY+4.3% QoQ
|
+$57.4M |
$428.5M
-0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$639.0M
+5.7% YoY+1.6% QoQ
|
+$99.3M |
$539.8M
+0.9% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 9.7% in tier |
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| ROA |
1.1%
+39.4% YoY+197.8% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
2.7%
+8.4% YoY+0.7% QoQ
|
-0.8% |
3.5%
+5.0% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
65.8%
-8.6% YoY-20.0% QoQ
|
-10.7% |
76.6%
-3.6% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Top 13.9% in tier |
| Delinquency Rate |
0.5%
-3.1% YoY-0.9% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
76.0%
+1.9% YoY+2.6% QoQ
|
-3.3% |
79.3%
-1.4% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$35,687
+4.0% YoY+1.5% QoQ
|
+$8K |
$27,294
+4.1% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Top 13.3% in tier |
| CD Concentration |
30.5%
+8.0% YoY+2.3% QoQ
|
+6.0% | 24.6% | 21.7% | 20.0% | 72% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)