EDUCATIONAL SYSTEMS
Charter #10696 | MD
EDUCATIONAL SYSTEMS has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 10.0% in tier
- + Organic Growth Engine: Top 22.0% in tier
- + Wallet Share Momentum: Top 26.9% in tier
- + Relationship Depth Leader: Top 29.9% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 11.5% in tier
- - Credit Quality Pressure: Bottom 14.9% in tier
- - Indirect Auto Dependency: Bottom 20.0% in tier
- - Efficiency ratio 1.09% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
92,890
+3.6% YoY+1.8% QoQ
|
-5.8K |
98,678
-1.9% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$1.3B
+0.7% YoY-1.8% QoQ
|
$-437.5M |
$1.7B
+0.5% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
29th in tier |
| Loans |
$944.3M
+8.6% YoY+4.8% QoQ
|
$-288.7M |
$1.2B
+0.5% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$1.1B
+4.7% YoY-2.1% QoQ
|
$-336.1M |
$1.5B
+1.3% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
34th in tier |
| ROA |
0.7%
-15.7% YoY-6.1% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
59th in tier |
| NIM |
3.3%
+2.0% YoY+2.1% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
55th in tier |
| Efficiency Ratio |
75.1%
+1.0% YoY+0.9% QoQ
|
+1.1% |
74.0%
-10.9% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
53rd in tier |
| Delinquency Rate |
0.4%
+38.4% YoY+7.9% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
25th in tier |
| Loan To Share |
84.5%
+3.7% YoY+7.1% QoQ
|
-0.7% |
85.2%
-0.8% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
39th in tier |
| AMR |
$22,204
+2.8% YoY-0.8% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 15.8% in tier |
| CD Concentration |
26.0%
+13.6% YoY+2.8% QoQ
|
-3.0% |
29.0%
+0.8% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
38th in tier |
| Indirect Auto % |
35.9%
+3.8% YoY+2.7% QoQ
|
+17.1% |
18.8%
-2.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
Top 15.8% in tier |
Signature Analysis
Strengths (4)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Concerns (3)
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)