BlastPoint's Credit Union Scorecard
EDUCATIONAL SYSTEMS
Charter #10696 · MD
EDUCATIONAL SYSTEMS has 4 strengths but faces 6 concerns
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
- + Wallet Share Momentum: Top 11.5% in tier
- + ROA 0.00% above tier average
- + Net Interest Margin 0.06% above tier average
- + AMR Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.7% in tier
- - Membership Headwinds: Bottom 25.0% in tier
- - Stagnation Risk: Bottom 78.6% in tier
- - Efficiency ratio 2.29% above tier (higher cost structure)
- - Member decline: -5.0% YoY
- - Member Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,975
-5.0% YoY-9.6% QoQ
|
-13.5K |
97,431
-2.4% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$1.3B
+8.2% YoY+4.2% QoQ
|
$-387.2M |
$1.7B
+0.9% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$1.0B
+11.6% YoY+6.0% QoQ
|
$-233.7M |
$1.2B
+0.5% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$1.1B
+5.7% YoY+2.2% QoQ
|
$-316.1M |
$1.5B
+0.9% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.7%
-25.1% YoY-7.0% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.3%
-1.6% YoY-0.3% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
76.4%
+2.8% YoY+1.7% QoQ
|
+2.3% |
74.1%
-9.5% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.4%
-9.6% YoY+1.4% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
87.5%
+5.6% YoY+3.7% QoQ
|
+2.7% |
84.8%
-0.8% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$25,530
+14.0% YoY+15.0% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
25.8%
+10.8% YoY-0.6% QoQ
|
-3.2% | 29.0% | 20.4% | 19.8% | 38% |
| Indirect Auto % |
34.9%
-0.7% YoY-2.7% QoQ
|
+16.6% | 18.3% | 7.3% | 7.8% | 83% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)