BlastPoint's Credit Union Scorecard
EDUCATIONAL SYSTEMS
Charter #10696 · MD
EDUCATIONAL SYSTEMS has 4 strengths but faces 4 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
- + Organic Growth Engine: Top 22.0% in tier
- + Emerging Performer: Top 66.2% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: 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
|
53% |
| 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
|
29% |
| 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
|
32% |
| 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
|
34% |
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| 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
|
59% |
| 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
|
55% |
| 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
|
53% |
| 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
|
25% |
| 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
|
39% |
| 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
|
16% |
| CD Concentration |
26.0%
+13.6% YoY+2.8% QoQ
|
-3.0% |
29.0%
+0.7% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
38% |
| Indirect Auto % |
35.9%
+3.8% YoY+2.7% QoQ
|
+17.1% |
18.8%
-3.0% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
84% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
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)