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 14.4% in tier
- + Organic Growth Leader: Top 22.4% in tier
- + Relationship Depth Leader: Top 63.3% in tier
- + ROA 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,900
+1.6% YoY+0.4% QoQ
|
-8.9K |
39,752
-2.7% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$680.8M
+7.9% YoY+0.3% QoQ
|
+$58.4M |
$622.4M
+0.3% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$455.1M
+3.0% YoY+0.9% QoQ
|
+$19.1M |
$435.9M
-0.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$601.9M
+6.9% YoY-0.4% QoQ
|
+$63.9M |
$538.0M
+1.3% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
1.0%
+18.8% YoY+19.9% QoQ
|
+0.3% |
0.7%
+33.9% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
2.6%
+10.9% YoY+1.8% QoQ
|
-0.9% |
3.4%
+8.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio |
68.3%
-4.8% YoY-5.3% QoQ
|
-9.8% |
78.1%
-3.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate |
0.5%
-20.7% YoY-4.3% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
75.6%
-3.7% YoY+1.3% QoQ
|
-5.4% |
81.0%
-1.8% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$34,208
+3.5% YoY-0.3% QoQ
|
+$8K |
$26,482
+2.6% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 12.4% in tier |
| CD Concentration |
29.1%
+16.7% YoY+2.9% QoQ
|
+4.7% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
68% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% 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 (<20%). 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)